Natural hazards · Cottageville

Cottageville, WV natural hazards

Most of the natural-hazard damage FEMA expects in Cottageville comes from inland flooding, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cottageville?

High

vs. U.S. communities

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

Inland flooding86%Everything else14%

By hazard

What Cottageville faces

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

Inland flooding

86% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Cottageville flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Cottageville

5 federal disasters brought FEMA money here

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

Brought FEMA money into CottagevilleDeclared for Jackson County only

2016

Severe Storms, Flooding, Landslides, and Mudslides

3 households applied for aid $2K aid approved

2012

Severe Storms and Straight-Line Winds

5 households applied for aid $1K aid approved

2008

Severe Storms, Tornadoes, Flooding, Mudslides, and

2 households applied for aid $2K aid approved

2004

Severe Storms, Flooding, and Landslides

3 households applied for aid $7K aid approved

2003

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

18 households applied for aid $24K aid approved

Jackson County has had 19 natural disasters declared since 1953, most often floods 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. Cottageville 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 Cottageville’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cottageville. 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.