Natural hazards · Culver

Culver, KS natural hazards

Most of the natural-hazard damage FEMA expects in Culver comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1993. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Culver?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Culver to be higher than in 79% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes16%Ice storms14%Hail9%Strong wind6%Everything else8%

By hazard

What Culver faces

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

Inland flooding

47% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 3 years in the area

Ice storms

14% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Hail

9% of expected damage

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

Recorded about 9 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 6 times 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 Culver flood?

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

5paid claims since 1993

$32Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 5 claims, $32K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ottawa County.

Disasters that hit Culver

2 federal disasters brought FEMA money here

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

Brought FEMA money into CulverDeclared for Ottawa County only

2007

Severe Winter Storms

$4K to the City of Culver for repairs

2007

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $200 aid approved

Ottawa County has had 15 natural disasters declared since 1953, most often severe storms and floods.

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. Culver 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 Culver’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Culver. 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.