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–Not graded
Natural hazards in Norbourne Estates · FEMA

Storms, floods and disasters in Norbourne Estates

Norbourne Estates isn’t graded for hazard risk: Norbourne Estates has 476 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 18 declared for Jefferson County
By hazard

What Norbourne Estates 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

75%of expected building damage
Above average · higher than 71% of U.S. census tracts
Recorded about 4 times a year in the area

Earthquakes

15%of expected building damage
Well above average · higher than 80% of U.S. census tracts

Tornadoes

9%of expected building damage
Above average · higher than 79% of U.S. census tracts
Smaller shares here
 Hail Ice storms Strong wind Winter storms Hurricanes Wildfire Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts tornadoes at 18% of Norbourne Estates’ expected losses. Tornadoes do little damage to buildings (8.6%), so they aren’t part of the grade.

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 Norbourne Estates flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Norbourne Estates. 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

Norbourne Estates 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.
Disasters

2 federal disasters brought FEMA money to Norbourne Estates

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

  1. 2009Severe Winter Storm and Flooding$16K to the City of Norbourne Estates for repairs
  2. 2008Severe Wind Storm Associated with Tropical Depression Ike$8K to the City of Norbourne Estates for repairs
Disasters declared, by decade
Paid out in Norbourne EstatesJefferson County only

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.

Were you here?

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

Add to the Norbourne Estates archive →
Be ready

Get ready for what Norbourne Estates 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 ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Tornado warnings
  • 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.
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 Norbourne Estates

Is Norbourne Estates 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 Norbourne Estates?

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

By FEMA money that reached Norbourne Estates, Severe Winter Storm and Flooding (2009): $16K to the City of Norbourne Estates for repairs.

Storm stories

Memories, warnings and help from neighbors in Norbourne Estates.

Town Square →
Start the conversation

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