Natural hazards · Harman

Harman, WV natural hazards

Most of the natural-hazard damage FEMA expects in Harman comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 1985. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harman?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harman to be higher than in 92% of U.S. communities, mostly from inland flooding.

Inland flooding95%Everything else6%

By hazard

What Harman faces

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

Inland flooding

95% 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 Harman flood?

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

4paid claims since 1985

$59Kpaid to owners

0homes flooded more than once

19852026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Randolph County.

Disasters that hit Harman

2 federal disasters brought FEMA money here

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

Brought FEMA money into HarmanDeclared for Randolph County only

2019

Severe Storms, Flooding, Landslides, and Mudslides

$1.9M to the Town of Harman for repairs

2012

Hurricane Sandy

$4K to the Town of Harman for repairs

Randolph County has had 18 natural disasters declared since 1953, most often floods 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. Harman 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 Harman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Harman. 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.