On FEMA’s figures, Beechwood Village faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Beechwood Village gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (80%). Flood insurance has paid 6 claims here since 1983.
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 Beechwood Village 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
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 Beechwood Village’s grade
River and rain flooding is 80% of the building damage FEMA expects in Beechwood Village, and Beechwood Village’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Next is tornadoes at 10% (higher than 79% of U.S. census tracts).
B− higher expected damage per building than 53% of U.S. towns (21,298).
Beechwood Village’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $542K a year in losses across Beechwood Village: $386K to buildings, the rest to people and crops.
Does Beechwood Village flood? Rarely: 6 flood claims since 1983
Every paid claim on a federal flood insurance policy in Beechwood Village, from FEMA’s records: 10.9 per 1,000 homes, more than 75% of the 13,809 U.S. towns with a flood insurance record.
Beechwood Village isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.The storms Beechwood Village remembers
None of the 18 disasters declared for Jefferson County shows FEMA aid or repair money reaching Beechwood Village itself in FEMA’s records, so these are its biggest flood-claim years.
- 19831 flood claims paidNo declaration for the county that year
- 20021 flood claims paidNo declaration for the county that year
- 20041 flood claims paidThe year of Severe Storms, Tornadoes, Flooding, and Mudslides, declared for Jefferson County
Jefferson County has had 18 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 Beechwood Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Beechwood Village archive →Beechwood Village and its neighbors
Beechwood Village has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Beechwood Village | B−more damage than 53% | river and rain flooding | 6 |
| St. Matthews | Cmore damage than 67% | river and rain flooding | 91 |
| Woodlawn Park | — | 857 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.
Get ready for what Beechwood Village 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.
- 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 Beechwood Village
Is Beechwood Village at risk for natural disasters?
On FEMA’s National Risk Index, Beechwood Village has higher expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (80%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Beechwood Village flood?
Flood insurance has paid 6 claims in Beechwood Village since 1983, $63K in all, or 10.9 per 1,000 homes, more than 75% of U.S. towns with a flood insurance record.
Is Beechwood Village 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 Jefferson County, 53% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Beechwood Village?
FEMA’s Community Rating System list shows no discount for Beechwood Village’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Beechwood Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Beechwood Village’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Beechwood Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Beechwood Village’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.