–Not graded

Natural hazards in Bay View Gardens · FEMA

Storms, floods and disasters in Bay View Gardens

Bay View Gardens isn’t graded for hazard risk: Bay View Gardens has 281 residents; we grade towns of 1,000 or more. Flood insurance has paid 393 claims here since 1979.

Flood claims

393

paid since 1979 · $4.3M

Disasters paid out here

of 11 declared for Woodford County

By hazard

What Bay View Gardens 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

90%of expected building damage

Well above average · higher than 90% of U.S. census tracts

Recorded about once a year in the area

Tornadoes

5%of expected building damage

Above average · higher than 72% of U.S. census tracts

Smaller shares here

Strong wind Earthquakes Hail Ice storms Winter storms Lightning Hurricanes Wildfire 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 cold waves at 16% of Bay View Gardens’ expected losses. Cold waves do 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.

Flood insurance claims

Does Bay View Gardens flood? Yes: 393 flood claims since 1979

Every paid claim on a federal flood insurance policy in Bay View Gardens, from FEMA’s records.

Paid flood claims, by year

198219852013

19792026

Biggest named events

The Mid-spring storms67 claims · $1.9M
Hurricane Ike7 claims · $65K

393

paid claims since 1979

$4.3M

paid to owners

homes flooded more than once

$11K

average claim

of homes in flood zones are insured

of all homes are insured

No community discount

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

Insurance rates: Woodford County.

Disasters

The storms Bay View Gardens remembers

None of the 11 disasters declared for Woodford County shows FEMA aid or repair money reaching Bay View Gardens itself in FEMA’s records, so these are its biggest flood-claim years.

1982109 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for Woodford County
201368 flood claims paidThe year of Severe Storms, Straight-line Winds, and Tornadoes, declared for Woodford County
198566 flood claims paidThe year of Severe Storms and Flooding, declared for Woodford County

Disasters declared, by decade

Paid out in Bay View GardensWoodford County only

Woodford County has had 11 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.

Were you here?

Old photos of Bay View Gardens after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Bay View Gardens archive →

Next door

Bay View Gardens and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

Spring BayBay View Gardens

Lowest fifthSecondMiddleFourthHighest fifth

Town	Hazard risk	Mostly (buildings)	Flood claims
Spring Bay	—	520 residents; we grade 1,000+

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.

Be ready

Get ready for what Bay View Gardens 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.

Questions about natural hazards in Bay View Gardens

Does Bay View Gardens flood?

Flood insurance has paid 393 claims in Bay View Gardens since 1979, $4.3M in all. The most claims came from Mid-spring storms (67).

Is Bay View Gardens 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 Woodford County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Bay View Gardens?

FEMA’s Community Rating System list shows no discount for Bay View Gardens’ 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 Bay View Gardens?

By flood claims, Mid-spring storms: 67 paid, $1.9M.

Storm stories

Memories, warnings and help from neighbors in Bay View Gardens.

Town Square →

Start the conversation

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

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