Guest, Sign inJoin

Post to Belfry

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
Belfry courthouse and post office - 41514Photo: FatCat96 · CC BY-SA 4.0
–Not graded
Natural hazards in Belfry · FEMA

Storms, floods and disasters in Belfry

Belfry isn’t graded for hazard risk: Belfry has 118 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
8
of 39 declared for Pike County
By hazard

What Belfry 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

96%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Wildfire Hail Earthquakes Tornadoes Strong wind Hurricanes Winter storms Ice storms Cold waves Heat waves Landslides Lightning Avalanches top 1%
FEMA models no building damage here
Coastal floodingTsunamisVolcanic activity

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 Belfry flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Belfry. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Pike County.
What’s been done with FEMA grants
14flood-prone properties bought out and cleared
Disasters

8 federal disasters brought FEMA money to Belfry

Disasters that paid out in Belfry itself (aid to households or repair grants to Belfry), newest first, with that year’s flood claims.

  1. 2025Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides296 households applied for aid$2.8M aid approved
  2. 2022Severe Storms, Flooding, Landslides, and Mudslides70 households applied for aid$78K aid approved
  3. 2021Severe, Storms, Flooding, Landslides, and Mudslides2 households applied for aid$166 aid approved
  4. 2010Severe Storms, Flooding, and Mudslides2 households applied for aid$1K aid approved
  5. 2009Severe Storms, Tornadoes, Flooding and Mudslides226 households applied for aid$904K aid approved
  6. 2004Severe Storms, Tornadoes, Flooding, and Mudslides84 households applied for aid$115K aid approved
Show all 8
  1. 2003Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes4 households applied for aid$846 aid approved
  2. 2003Severe Winter Ice and Snow Storms, Heavy Rain, Flooding, Tornadoes, and Mud and13 households applied for aid$28K aid approved
Disasters declared, by decade
Paid out in BelfryPike County only

Pike County has had 39 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.

Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Pike County, 1999–2016.

Were you here?

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

Add to the Belfry archive →
Be ready

Get ready for what Belfry 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Belfry

Is Belfry 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 Pike County, 21% of homes in mapped flood zones carry federal flood insurance, and 3.5% of all homes do.

How much is flood insurance in Belfry?

FEMA’s Community Rating System list shows no discount for Belfry’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 Belfry?

By FEMA money that reached Belfry, Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (2025): 296 households applied for aid, $2.8M approved.

Storm stories

Memories, warnings and help from neighbors in Belfry.

Town Square →
Start the conversation

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