Photo: Snamgungtaylor · CC BY 4.0Storms, floods and disasters in Beaver
Beaver isn’t graded for hazard risk: Beaver has 121 residents; we grade towns of 1,000 or more.
What Beaver faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Ice storms
Tornadoes
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, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). 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.
Does Beaver flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Beaver. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Beaver isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Carroll County.4 federal disasters brought FEMA money to Beaver
Disasters that paid out in Beaver itself (aid to households or repair grants to the Town of Beaver), newest first, with that year’s flood claims.
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$20K to the Town of Beaver for repairs
- 2011Severe Storms, Tornadoes, and Associated Flooding$49K to the Town of Beaver for repairs
- 2008Severe Storms, Tornadoes, and Flooding2 households applied for aid$24K to the Town of Beaver for repairs
- 2004Sever Storms, Flooding and Landslides$9K to the Town of Beaver for repairs
Carroll County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Beaver after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Beaver archive →Get ready for what Beaver faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Beaver
Is Beaver 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 Carroll County, 1% of homes in mapped flood zones carry federal flood insurance, and 0.0% of all homes do.
How much is flood insurance in Beaver?
FEMA’s Community Rating System list shows no discount for Beaver’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 Beaver?
By FEMA money that reached Beaver, Severe Storms, Tornadoes, and Associated Flooding (2011): $49K to the Town of Beaver for repairs.
Storm stories
Memories, warnings and help from neighbors in Beaver.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Beaver’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.