Natural hazards · Thomas

Thomas, WV natural hazards

Most of the natural-hazard damage FEMA expects in Thomas comes from inland flooding, and overall the risk is very high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Thomas?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thomas to be higher than in 84% of U.S. communities, mostly from inland flooding.

Inland flooding87%Everything else14%

By hazard

What Thomas faces

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

Inland flooding

87% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Thomas flood?

FEMA's records show no paid flood insurance claims in Thomas.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tucker County.

Disasters that hit Thomas

6 federal disasters brought FEMA money here

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

Brought FEMA money into ThomasDeclared for Tucker County only

2019

Severe Storms, Flooding, Landslides, and Mudslides

$30K to the City of Thomas for repairs

2015

Severe Winter Storm, Flooding, Landslides, and Mudslides

$27K to the City of Thomas for repairs

2012

Hurricane Sandy

$15K to the City of Thomas for repairs

2010

Severe Winter Storms and Snowstorms

$769 to the City of Thomas for repairs

2008

Severe Storms, Tornadoes, Flooding, Mudslides, and

$11K to the City of Thomas for repairs

2003

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

$2K to the City of Thomas for repairs

Tucker 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. Thomas 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 Thomas’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Thomas. 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.