Natural hazards · Sophia

Sophia, WV natural hazards

Most of the natural-hazard damage FEMA expects in Sophia comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 13 claims here since 1980. 10 federal disasters brought FEMA money into town.

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

How exposed is Sophia?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sophia to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding83%Everything else17%
By hazard

What Sophia faces

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

Inland flooding

83% of expected damage
Well above average · higher than 79% 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 Sophia flood?

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

13paid claims since 1980
$50Kpaid to owners
1homes flooded more than once
19802026

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. Sophia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Raleigh County.
Disasters that hit Sophia

10 federal disasters brought FEMA money here

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

Brought FEMA money into SophiaDeclared for Raleigh County only
2025

Severe Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides

8 households applied for aid $29K aid approved
2015

Severe Winter Storm, Flooding, Landslides, and Mudslides

$13K to the Town of Sophia for repairs
2012

Severe Storms and Straight-Line Winds

16 households applied for aid $10K aid approved $8K to the Town of Sophia for repairs
2010

Severe Storms, Flooding, Mudslides, and Landslides

10 households applied for aid $12K aid approved
2009

Severe Winter Storm and Snowstorm

$13K to the Town of Sophia for repairs
2009

Severe Storms, Flooding, Mudslides, and Landslides

7 households applied for aid $8K aid approved
2004

Severe Storms, Flooding, and Landslides

54 households applied for aid $102K aid approved
2003

Severe Storms, Flooding, and Landslides

18 households applied for aid $38K aid approved
2003

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

18 households applied for aid $29K aid approved
2001

Severe Storms, Flooding and Landslides

$7K to the Town of Sophia for repairs
Raleigh County has had 25 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. Sophia 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 Sophia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Sophia. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01