FEMA expects less hazard damage per building in Wilmington Manor than in 97% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Wilmington Manor gets an A+ for hazard risk: lower expected damage per building than 97% of U.S. towns, #1 of 37 in Delaware. Most of that expected damage is river and rain flooding (59%), then earthquakes (19%). Flood insurance has paid 2 claims here since 1989.
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
What Wilmington Manor 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
Earthquakes
Hurricanes
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.
What’s behind Wilmington Manor’s grade
River and rain flooding is 59% of the building damage FEMA expects in Wilmington Manor, and Wilmington Manor’s rate of river and rain flooding damage is lower than 93% of U.S. census tracts. Coastal flooding adds 3%, at a rate in the top 4% of U.S. census tracts.
A+ #1 of 37 in Delaware; lower expected damage per building than 97% of U.S. towns (21,298).
Wilmington Manor’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Delaware town has lower expected damage than 65% of U.S. towns; within the state, Wilmington Manor has less expected damage per building than 100% of Delaware towns.
In dollars, FEMA expects about $1.8M a year in losses across Wilmington Manor: $1.4M to buildings, the rest to people and crops.
Does Wilmington Manor flood? Rarely: 2 flood claims since 1989
Every paid claim on a federal flood insurance policy in Wilmington Manor, from FEMA’s records: 0.6 per 1,000 homes, fewer than 88% of the 13,809 U.S. towns with a flood insurance record.
Wilmington Manor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: New Castle County.The storms Wilmington Manor remembers
None of the 13 disasters declared for New Castle County shows FEMA aid or repair money reaching Wilmington Manor itself in FEMA’s records, so these are its biggest flood-claim years.
- 19891 flood claims paidNo declaration for the county that year
- 20211 flood claims paidThe year of Remnants of Hurricane Ida, declared for New Castle County
New Castle County has had 13 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Wilmington Manor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wilmington Manor archive →Wilmington Manor and its neighbors
Wilmington Manor has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Wilmington Manor | A+less damage than 97% | river and rain flooding | 2 |
| New Castle | Aless damage than 89% | river and rain flooding | 32 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Wilmington Manor 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Wilmington Manor
Is Wilmington Manor at risk for natural disasters?
On FEMA’s National Risk Index, Wilmington Manor has lower expected damage per building than 97% of U.S. towns: A+ for hazard risk, #1 of 37 in Delaware. Most of the expected damage is river and rain flooding (59%) and earthquakes (19%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Wilmington Manor flood?
Flood insurance has paid 2 claims in Wilmington Manor since 1989, $14K in all, or 0.6 per 1,000 homes, fewer than 88% of U.S. towns with a flood insurance record.
Is Wilmington Manor 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 New Castle County, 45% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Wilmington Manor?
FEMA’s Community Rating System list shows no discount for Wilmington Manor’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Wilmington Manor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (59%), and Wilmington Manor’s rate for it is lower than 93% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wilmington Manor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wilmington Manor’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.