Harts, WV natural hazards
Most of the natural-hazard damage FEMA expects in Harts comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 9 claims here since 1979. 9 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Harts?
FEMA expects yearly storm and flood damage to homes and buildings in Harts to be higher than in 97% of U.S. communities, mostly from inland flooding.
What Harts faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Heat waves
Lower here
Not a risk here
Does Harts flood?
Every paid claim on a federal flood insurance policy in Harts, from FEMA’s records.
Biggest named events
- Tropical Storm Ivan: 1 claim, $25K
are insured
are insured
9 federal disasters brought FEMA money here
Disasters the President declared that paid out in Harts itself: aid to households, or repair grants to Harts.
Severe Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides
Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides
Severe Storms, Flooding, Landslides, and Mudslides
Severe Storms and Straight-Line Winds
Severe Storms, Flooding, Mudslides, and Lanslides
Severe Storms, Tornadoes, Flooding, Mudslides, and Landslides
Severe Storms, Flooding, and Landslides
Severe Storms, Flooding, and Landslides
Severe Winter Storm, Record/Near Record Snow, Heavy Rains, Flooding and Landslides
How to read this page
FEMA’s expected losses across Harts total about $2.3M 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.