Natural hazards · Moorefield

Moorefield, WV natural hazards

Most of the natural-hazard damage FEMA expects in Moorefield comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 122 claims here since 1985. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Moorefield?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moorefield to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%

By hazard

What Moorefield faces

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

Inland flooding

88% of expected damage

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

Recorded about once 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 Moorefield flood?

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

122paid claims since 1985

$3.0Mpaid to owners

3homes flooded more than once

19852026

Biggest named events

Hurricane Fran: 78 claims, $2.3M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hardy County.

What’s been done with FEMA grants

31flood-prone properties bought out and cleared

Disasters that hit Moorefield

5 federal disasters brought FEMA money here

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

Brought FEMA money into MoorefieldDeclared for Hardy County only

2018

Severe Storms, Flooding, Landslides, and Mudslides

$8K to the Town of Moorefield for repairs

2012

Severe Storms and Straight-Line Winds

$2K to the Town of Moorefield for repairs

2010

Severe Winter Storms and Snowstorms

$14K to the Town of Moorefield for repairs

2003

Hurricane Isabel

$51K to the Town of Moorefield for repairs

2003

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

$28K to the Town of Moorefield for repairs

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