On FEMA’s figures, Waverly faces more hazard damage per building than 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Waverly gets a C for hazard risk: higher expected damage per building than 65% of U.S. towns. Most of that expected damage is river and rain flooding (65%), then earthquakes (14%). 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 Waverly 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.
What’s behind Waverly’s grade
River and rain flooding is 65% of the building damage FEMA expects in Waverly, and Waverly’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 5% of U.S. census tracts.
C higher expected damage per building than 65% of U.S. towns (21,298).
All of Waverly’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.1M a year in losses across Waverly: $380K to buildings, the rest to people and crops.
Does Waverly flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Waverly. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Waverly isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Morgan County.4 federal disasters brought FEMA money to Waverly
Disasters that paid out in Waverly itself (aid to households or repair grants to the City of Waverly), newest first, with that year’s flood claims.
- 2023Severe Storms and Flooding$30K to the City of Waverly for repairs
- 2011Severe Winter Storm and Snowstorm$4K to the City of Waverly for repairs
- 2002Severe Storms, Tornadoes and Flooding$38K to the City of Waverly for repairs
- 1999Il-winter Storm 1/1/99$3K to the City of Waverly for repairs
Morgan County has had 14 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 Waverly after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Waverly archive →Get ready for what Waverly 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 Waverly
Is Waverly at risk for natural disasters?
On FEMA’s National Risk Index, Waverly has higher expected damage per building than 65% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (65%) and earthquakes (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Waverly 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 Morgan County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Waverly?
FEMA’s Community Rating System list shows no discount for Waverly’s 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 Waverly?
By FEMA money that reached Waverly, Severe Storms, Tornadoes and Flooding (2002): $38K to the City of Waverly for repairs.
Is Waverly at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Waverly’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Waverly.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Waverly’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.