Natural hazards · Bayard

Bayard, WV natural hazards

Most of the natural-hazard damage FEMA expects in Bayard comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bayard?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bayard to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding77%Strong wind8%Cold waves6%Everything else10%

By hazard

What Bayard faces

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

Inland flooding

77% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Strong wind

8% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 3 times a year in the area

Cold waves

6% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Bayard flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grant County.

Disasters that hit Bayard

4 federal disasters brought FEMA money here

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

Brought FEMA money into BayardDeclared for Grant County only

2019

Severe Storms, Flooding, Landslides, and Mudslides

$52K to the Town of Bayard for repairs

2010

Severe Winter Storms and Snowstorms

$3K to the Town of Bayard for repairs

2003

Hurricane Isabel

$24K to the Town of Bayard for repairs

2003

Severe Winter Storm, Record/Near Record Snow, Heavy Rains, Flooding and Landslides

$5K to the Town of Bayard for repairs

Grant County has had 17 natural disasters declared since 1953, most often severe storms and winter 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. Bayard 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 Bayard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bayard. 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.