Natural hazards · Gilbert

Gilbert, WV natural hazards

Most of the natural-hazard damage FEMA expects in Gilbert comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 37 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is Gilbert?

94
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gilbert to be higher than in 94% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%
By hazard

What Gilbert 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 · among the top 1% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

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 Gilbert flood?

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

37paid claims since 1978
$2.2Mpaid to owners
3homes flooded more than once
19782026

Biggest named events

  • Storm: 15 claims, $1.8M
  • Not a named storm: 1 claim, $12K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Gilbert isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mingo County.
Disasters that hit Gilbert

10 federal disasters brought FEMA money here

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

Brought FEMA money into GilbertDeclared for Mingo County only
2025

Severe Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides

26 households applied for aid $161K aid approved
2021

Severe Storms and Flooding

7 households applied for aid $18K aid approved
2015

Severe Winter Storm, Flooding, Landslides, and Mudslides

$9K to the Town of Gilbert for repairs
2012

Severe Storms and Straight-Line Winds

11 households applied for aid $6K aid approved $17K to the Town of Gilbert for repairs
2012

Severe Storms, Flooding, Mudslides, and Lanslides

1 household applied for aid
2010

Severe Storms, Flooding, Mudslides, and Landslides

71 households applied for aid $205K aid approved $29K to the Town of Gilbert for repairs
2009

Severe Storms, Flooding, Mudslides, and Landslides

357 households applied for aid $1.6M aid approved $407K to the Town of Gilbert for repairs
2004

Severe Storms, Flooding, and Landslides

177 households applied for aid $281K aid approved
2003

Severe Storms, Flooding, and Landslides

50 households applied for aid $113K aid approved
2003

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

44 households applied for aid $126K aid approved
Mingo County has had 30 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. Gilbert 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 Gilbert’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Gilbert. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01