Photo: Rivers Langley; SaveRivers · CC BY-SA 3.0Storms, floods and disasters in Reynolds
Reynolds isn’t graded for hazard risk: Reynolds has 995 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 2013.
What Reynolds 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
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.
Does Reynolds flood? Rarely: 2 flood claims since 2013
Every paid claim on a federal flood insurance policy in Reynolds, from FEMA’s records.
- The Early winter storms1 claim · $4K
Reynolds isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Taylor County.2 federal disasters brought FEMA money to Reynolds
Disasters that paid out in Reynolds itself (aid to households or repair grants to the City of Reynolds), newest first, with that year’s flood claims.
- 2007Severe Storms and Tornadoes20 households applied for aid$35K aid approved
- 2004Tropical Storm Frances$9K to the City of Reynolds for repairs
Taylor County has had 11 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Reynolds after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Reynolds archive →Get ready for what Reynolds 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.
- 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 Reynolds
Does Reynolds flood?
Flood insurance has paid 2 claims in Reynolds since 2013, $7K in all. 1 properties have flooded more than once. The most claims came from Early winter storms (1).
Is Reynolds 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 Taylor County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.0% of all homes do.
How much is flood insurance in Reynolds?
FEMA’s Community Rating System list shows no discount for Reynolds’ 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 Reynolds?
By FEMA money that reached Reynolds, Severe Storms and Tornadoes (2007): 20 households applied for aid, $35K approved. By flood claims, Early winter storms: 1 paid, $4K.
Storm stories
Memories, warnings and help from neighbors in Reynolds.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Reynolds’ 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.