Natural hazards · Beloit

Beloit, KS natural hazards

Most of the natural-hazard damage FEMA expects in Beloit comes from hail, and overall the risk is high for a U.S. community. Flood insurance has paid 8 claims here since 1982. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Beloit?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beloit to be higher than in 62% of U.S. communities, mostly from hail and inland flooding.

Hail31%Inland flooding29%Strong wind13%Tornadoes11%Ice storms6%Everything else10%

By hazard

What Beloit faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hail

31% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 8 times a year in the area

Inland flooding

29% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 2 years in the area

Strong wind

13% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 4 years in the area

Ice storms

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Lower here

Winter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Beloit flood?

Every paid claim on a federal flood insurance policy in Beloit, from FEMA’s records.

8paid claims since 1982

$86Kpaid to owners

1homes flooded more than once

19822026

Biggest named events

Late spring storms: 1 claim, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of all homes
are insured

No community discount. Beloit isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Mitchell County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Beloit

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Beloit itself: aid to households, or repair grants to the City of Beloit.

Brought FEMA money into BeloitDeclared for Mitchell County only

2011

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$3K to the City of Beloit for repairs

2004

Severe Storms, Flooding, and Tornadoes

$28K to the City of Beloit for repairs

Mitchell County has had 11 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Beloit

Beloit and the towns around it

Very lowLowModerateHighVery high

Beloitmostly hailHigh

Plum Creekmostly hailHigh

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Beloit is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Beloit’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Beloit. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.