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Scammon Bay April 1986Photo: AnnWieland · Public domain
–Not graded
Natural hazards in Scammon Bay · FEMA

Storms, floods and disasters in Scammon Bay

Scammon Bay isn’t graded for hazard risk: Scammon Bay has 440 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 1 declared for
By hazard

What Scammon Bay faces

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

Winter storms

40%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about 28 times a year in the area

Wildfire

28%of expected building damage
Well above average · higher than 87% of U.S. census tracts

Earthquakes

28%of expected building damage
Below average · lower than 64% of U.S. census tracts
Smaller shares here
 Cold waves Ice storms Lightning Landslides Tornadoes Hail Strong wind Volcanic activity
FEMA models no building damage here
River and rain floodingCoastal floodingHurricanesHeat wavesAvalanchesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 98% of Scammon Bay’s expected losses. Cold waves do little damage to buildings (2.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, winter storms is FEMA’s “Winter Weather” (snow, sleet and freezing rain). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Scammon Bay flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Scammon Bay. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

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

Insurance rates: the county.
Disasters

4 federal disasters brought FEMA money to Scammon Bay

Disasters that paid out in Scammon Bay itself (aid to households or repair grants to the City of Scammon Bay), newest first, with that year’s flood claims.

  1. 2025Severe Storms, Flooding, and Remnants of Typhoon Halong8 households applied for aid$45K aid approved
  2. 2022Severe Storm, Flooding, and Landslides27 households applied for aid$61K aid approved
  3. 2013Severe Storms, Straight-line Winds, and Flooding$105K to the City of Scammon Bay for repairs
  4. 2004Severe Winter Storm, Tidal Surges and Flooding$102K to the City of Scammon Bay for repairs
Disasters declared, by decade
Paid out in Scammon Bay only

has had 1 natural disasters declared by the President since 1953, most often floods.

Were you here?

Old photos of Scammon Bay after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Scammon Bay archive →
Be ready

Get ready for what Scammon Bay faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Winter storms
  • Keep a shovel, a blanket and snacks in the car.
  • Clear snow from furnace and dryer vents.
  • Check on older neighbors when the power goes out.
More from Ready.gov ↗
Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Scammon Bay

Is Scammon Bay in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In the county, 0.6% of all homes carry federal flood insurance.

How much is flood insurance in Scammon Bay?

FEMA’s Community Rating System list shows no discount for Scammon Bay’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Scammon Bay?

By FEMA money that reached Scammon Bay, Severe Storms, Straight-line Winds, and Flooding (2013): $105K to the City of Scammon Bay for repairs.

Storm stories

Memories, warnings and help from neighbors in Scammon Bay.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Scammon Bay’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.