Natural hazards · Lost Creek

Lost Creek, WV natural hazards

Most of the natural-hazard damage FEMA expects in Lost Creek comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 76 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lost Creek?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lost Creek to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding91%Everything else9%

By hazard

What Lost Creek faces

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

Inland flooding

91% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 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 Lost Creek flood?

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

76paid claims since 1979

$640Kpaid to owners

7homes flooded more than once

19792026

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. Lost Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Harrison County.

Disasters that hit Lost Creek

4 federal disasters brought FEMA money here

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

Brought FEMA money into Lost CreekDeclared for Harrison County only

2023

Severe Storms, Flooding, Landslides, and Mudslides

16 households applied for aid $58K aid approved

2008

Severe Storms, Tornadoes, Flooding, Mudslides, and

2 households applied for aid $3K aid approved

2003

Severe Storms, Flooding, and Landslides

18 households applied for aid $47K aid approved

2003

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

7 households applied for aid $7K aid approved

Harrison County has had 20 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. Lost Creek 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 Lost Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lost Creek. 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.