Photo: Jared Winkler · CC BY-SA 4.0For tornadoes, Smith Center’s building-damage rate is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Smith Center gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns. Most of that expected damage is river and rain flooding (28%), then tornadoes (25%). 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 Smith Center 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
Tornadoes
Hail
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 Smith Center’s grade
River and rain flooding is 28% of the building damage FEMA expects in Smith Center, and Smith Center’s rate of river and rain flooding damage is lower than 91% of U.S. census tracts. Tornadoes add 25%, at a rate in the top 1% of U.S. census tracts.
C+ higher expected damage per building than 59% of U.S. towns (21,298).
All of Smith Center’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.3M a year in losses across Smith Center: $821K to buildings, the rest to people and crops.
Does Smith Center flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Smith Center. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
4 federal disasters brought FEMA money to Smith Center
Disasters that paid out in Smith Center itself (aid to households or repair grants to the City of Smith Center), newest first, with that year’s flood claims.
- 2013Snowstorm$6K to the City of Smith Center for repairs
- 2008Severe Storms, Flooding and Tornadoes$1K to the City of Smith Center for repairs
- 2007Severe Storms, Tornadoes, and Flooding94 households applied for aid$45K aid approved$3K to the City of Smith Center for repairs
- 2004Severe Storms, Flooding, and Tornadoes$7K to the City of Smith Center for repairs
Smith County has had 12 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Smith Center after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Smith Center archive →Get ready for what Smith Center 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.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Smith Center
Is Smith Center at risk for natural disasters?
On FEMA’s National Risk Index, Smith Center has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (28%) and tornadoes (25%). 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 Smith Center 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.
How much is flood insurance in Smith Center?
FEMA’s Community Rating System list shows no discount for Smith Center’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 Smith Center?
By FEMA money that reached Smith Center, Severe Storms, Tornadoes, and Flooding (2007): 94 households applied for aid, $45K approved, and $3K to the City of Smith Center for repairs.
Is Smith Center at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (28%), and Smith Center’s rate for it is lower than 91% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Smith Center.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Smith Center’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.