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Natural hazards · Cross Lanes

Cross Lanes, WV natural hazards

Most of the natural-hazard damage FEMA expects in Cross Lanes comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 2009. 10 federal disasters brought FEMA money into town.

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

How exposed is Cross Lanes?

72
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cross Lanes to be higher than in 72% of U.S. communities, mostly from inland flooding.

Inland flooding85%Everything else15%
By hazard

What Cross Lanes faces

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

Inland flooding

85% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Cross Lanes flood?

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

5paid claims since 2009
$32Kpaid to owners
0homes flooded more than once
20092026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Cross Lanes isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kanawha County.

What’s been done with FEMA grants

16flood-prone properties bought out and cleared
Disasters that hit Cross Lanes

10 federal disasters brought FEMA money here

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

Brought FEMA money into Cross LanesDeclared for Kanawha County only
2024

Severe Storms, Flooding, Landslides, and Mudslides

3 households applied for aid $5K aid approved
2024

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

67 households applied for aid $97K aid approved
2023

Severe Storms, Flooding, Landslides, and Mudslides

3 households applied for aid
2021

Severe Storms and Flooding

1 household applied for aid $1K aid approved
2016

Severe Storms, Flooding, Landslides, and Mudslides

1 household applied for aid
2012

Severe Storms and Straight-Line Winds

14 households applied for aid $1K aid approved
2010

Severe Storms, Flooding, Mudslides, and Landslides

2 households applied for aid
2004

Severe Storms, Flooding, and Landslides

43 households applied for aid $77K aid approved
2003

Severe Storms, Flooding, and Landslides

2 households applied for aid $699 aid approved
2003

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

6 households applied for aid $13K aid approved
Kanawha County has had 27 natural disasters declared since 1953, most often floods and severe storms.
Around Cross Lanes

Cross Lanes and the towns around it

Nitro: Very high, mostly inland floodingInstitute: High, mostly inland floodingJefferson: Very high, mostly inland floodingTeays Valley: Moderate, mostly inland floodingCross Lanes: High, mostly inland flooding Cross LanesNitro
Very lowLowModerateHighVery high
Nitromostly inland floodingVery high
Cross Lanesmostly inland floodingHigh
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. Cross Lanes covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Cross Lanes’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Cross Lanes. 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 Cross Lanes total about $1.9M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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