Storms, floods and disasters in Fults
Fults isn’t graded for hazard risk: Fults has 12 residents; we grade towns of 1,000 or more. Flood insurance has paid 23 claims here since 1993.
What Fults 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
Tornadoes
Strong wind
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 Fults flood? Sometimes: 23 flood claims since 1993
Every paid claim on a federal flood insurance policy in Fults, from FEMA’s records.
- The Midwest Flooding23 claims · $767K
Fults isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monroe County.The storms Fults remembers
None of the 17 disasters declared for Monroe County shows FEMA aid or repair money reaching Fults itself in FEMA’s records, so these are its biggest flood-claim years.
- 199323 flood claims paidThe year of Severe Storms and Flooding, declared for Monroe County
Monroe County has had 17 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.
Old photos of Fults after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fults archive →Get ready for what Fults 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Fults
Does Fults flood?
Flood insurance has paid 23 claims in Fults since 1993, $767K in all. The most claims came from Midwest Flooding (23).
Is Fults 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 Monroe County, 1.0% of all homes carry federal flood insurance.
How much is flood insurance in Fults?
FEMA’s Community Rating System list shows no discount for Fults’ 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 Fults?
By flood claims, Midwest Flooding: 23 paid, $767K.
Storm stories
Memories, warnings and help from neighbors in Fults.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fults’ 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.