Natural hazards · Henderson

Henderson, WV natural hazards

Most of the natural-hazard damage FEMA expects in Henderson comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 20 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Henderson?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Henderson to be higher than in 77% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%

By hazard

What Henderson 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 Henderson flood?

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

20paid claims since 1978

$66Kpaid to owners

3homes flooded more than once

19782026

Biggest named events

Not a named storm: 12 claims, $31K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mason County.

Disasters that hit Henderson

4 federal disasters brought FEMA money here

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

Brought FEMA money into HendersonDeclared for Mason County only

2012

Severe Storms and Straight-Line Winds

3 households applied for aid $1K aid approved

2004

Severe Storms, Flooding, and Landslides

4 households applied for aid $13K aid approved

2003

Severe Storms, Flooding, and Landslides

4 households applied for aid $13K aid approved

2003

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

15 households applied for aid $23K aid approved

Mason County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Henderson

Henderson and the towns around it

Very lowLowModerateHighVery high

Hendersonmostly inland floodingHigh

Point Pleasantmostly 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. Henderson 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 Henderson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Henderson. 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.