Photo: Idahomiller · CC BY-SA 3.0On FEMA’s figures, Victor faces more hazard damage per building than 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Victor gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns, #36 of 59 in Idaho. Most of that expected damage is river and rain flooding (55%), then wildfire (24%). FEMA’s files show no paid flood insurance claims here.
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 Victor 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
Wildfire
Earthquakes
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 Victor’s grade
River and rain flooding is 55% of the building damage FEMA expects in Victor, and Victor’s rate of river and rain flooding damage is higher than 54% of U.S. census tracts. Wildfire adds 24%, at a rate in the top 3% of U.S. census tracts.
C #36 of 59 in Idaho; higher expected damage per building than 67% of U.S. towns (21,298).
Victor’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Idaho town has higher expected damage than 52% of U.S. towns; within the state, Victor has more expected damage per building than 60% of Idaho towns.
In dollars, FEMA expects about $4.3M a year in losses across Victor: $1.3M to buildings, the rest to people and crops.
Does Victor flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Victor. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Victor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Teton County.Get ready for what Victor 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Victor
Is Victor at risk for natural disasters?
On FEMA’s National Risk Index, Victor has higher expected damage per building than 67% of U.S. towns: C for hazard risk, #36 of 59 in Idaho. Most of the expected damage is river and rain flooding (55%) and wildfire (24%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Victor 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 Teton County, 1.0% of all homes carry federal flood insurance.
How much is flood insurance in Victor?
FEMA’s Community Rating System list shows no discount for Victor’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Victor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (55%), and Victor’s rate for it is higher than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Victor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Victor’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.