Natural hazards · Woodruff

Woodruff, SC natural hazards

Most of the natural-hazard damage FEMA expects in Woodruff comes from inland flooding, and overall the risk is very low for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Woodruff?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Woodruff to be higher than in 17% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding46%Earthquakes16%Cold waves12%Tornadoes9%Ice storms5%Everything else12%

By hazard

What Woodruff faces

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

Inland flooding

46% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

16% of expected damage

Well above average · higher than 75% of U.S. places

Cold waves

12% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

9% of expected damage

Above average · higher than 54% of U.S. places

Ice storms

5% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Woodruff flood?

FEMA's records show no paid flood insurance claims in Woodruff.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Spartanburg County.

Disasters that hit Woodruff

6 federal disasters brought FEMA money here

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

Brought FEMA money into WoodruffDeclared for Spartanburg County only

2024

Hurricane Helene

4,619 households applied for aid $3.5M aid approved $394K to the City of Woodruff for repairs

2015

Severe Storms and Flooding

9 households applied for aid $2K aid approved

2005

Severe Ice Storm

$12K to the City of Woodruff for repairs

2004

Tropical Storm Frances

1 household applied for aid

2002

Severe Ice Storm

$10K to the City of Woodruff for repairs

2000

Severe Winter Storm

$7K to the City of Woodruff for repairs

Spartanburg County has had 19 natural disasters declared since 1953, most often hurricanes and severe storms.

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. Woodruff covers 1 census tract, combined by population.

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

FEMA’s expected losses across Woodruff total about $1.0M a year, counting buildings, people and crops.

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.

Woodruff, SC natural hazards

How exposed is Woodruff?

What Woodruff faces

Inland flooding

Earthquakes

Cold waves

Tornadoes

Ice storms

Lower here

Not a risk here

Does Woodruff flood?

6 federal disasters brought FEMA money here

Hurricane Helene

Severe Storms and Flooding

Severe Ice Storm

Tropical Storm Frances

Severe Ice Storm

Severe Winter Storm

How to read this page

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