Natural hazards · Thurmond

Thurmond, WV natural hazards

Most of the natural-hazard damage FEMA expects in Thurmond comes from inland flooding, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Thurmond?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thurmond to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding77%Lightning10%Everything else13%

By hazard

What Thurmond faces

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

Inland flooding

77% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Lightning

10% of expected damage

Above average · higher than 62% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Thurmond flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fayette County.

Disasters that hit Thurmond

3 federal disasters brought FEMA money here

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

Brought FEMA money into ThurmondDeclared for Fayette County only

2012

Severe Storms and Straight-Line Winds

4 households applied for aid $2K aid approved

2003

Severe Storms, Flooding, and Landslides

5 households applied for aid $11K aid approved

2001

Severe Storms, Flooding and Landslides

$2K to the Town of Thurmond for repairs

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