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Averitt HouseAveritt House · Photo: Valis55 · CC BY-SA 3.0
C−Hazard risk
Natural hazards in Genoa · FEMA

FEMA puts Genoa’s expected hazard damage per building above that of 76% of U.S. towns, led by river and rain flooding

On FEMA’s National Risk Index, Genoa gets a C− for hazard risk: higher expected damage per building than 76% of U.S. towns. Most of that expected damage is river and rain flooding (42%), then hail (28%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 42%Hail 28%Ice storms 13%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 76%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Arkansas · higher than 76% of U.S. towns
Main hazard
River and rain flooding
42% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 15 declared for Miller County
By hazard

What Genoa 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

42%of expected building damage
About average · lower than 55% of U.S. census tracts
Recorded about once a year in the area

Hail

28%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about 5 times a year in the area

Ice storms

13%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 1 years in the area

Tornadoes

10%of expected building damage
Well above average · in the top 10% of U.S. census tracts
Smaller shares here
 Strong wind Earthquakes Wildfire Winter storms Hurricanes Lightning top 2% Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 8% of Genoa’s expected losses. Drought does little damage to buildings (0.0%), 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, 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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Genoa’s grade

River and rain flooding is 42% of the building damage FEMA expects in Genoa, and Genoa’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Hail adds 28%, at a rate in the top 1% of U.S. census tracts.

Where Genoa sits
Genoa
Least damageMiddleMost damage

C− higher expected damage per building than 76% of U.S. towns (21,298).

Genoa’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding42%Hail28%Ice storms13%Everything else17%

In dollars, FEMA expects about $493K a year in losses across Genoa: $304K to buildings, the rest to people and crops.

A small-area figure. Genoa covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Genoa flood? No paid flood claims on record

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

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Miller County.
Disasters

The storms Genoa remembers

None of the 15 disasters declared for Miller County shows FEMA aid or repair money reaching Genoa itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in GenoaMiller County only

Miller County has had 15 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Be ready

Get ready for what Genoa faces

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

When the river rises
  • 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.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Ice storms
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
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 Genoa

Is Genoa at risk for natural disasters?

On FEMA’s National Risk Index, Genoa has higher expected damage per building than 76% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (42%) and hail (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Genoa 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 Miller County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.

How much is flood insurance in Genoa?

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

Is Genoa at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (42%), and Genoa’s rate for it is lower than 55% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Genoa.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Genoa’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.