Photo: Brian Stansberry (photographer) · CC BY 4.0Storms, floods and disasters in Warfield
Warfield isn’t graded for hazard risk: Warfield has 297 residents; we grade towns of 1,000 or more. Flood insurance has paid 7 claims here since 2021.
What Warfield 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
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.
Does Warfield flood? Rarely: 7 flood claims since 2021
Every paid claim on a federal flood insurance policy in Warfield, from FEMA’s records.
- The February Kentucky Flooding6 claims · $1.2M
Warfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Martin County.7 federal disasters brought FEMA money to Warfield
Disasters that paid out in Warfield itself (aid to households or repair grants to the City of Warfield), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides53 households applied for aid$203K aid approved6 flood claims paid that year
- 2022Severe Storms, Flooding, Landslides, and Mudslides15 households applied for aid$42K aid approved
- 2021Severe, Storms, Flooding, Landslides, and Mudslides5 households applied for aid$37K aid approved1 flood claim paid that year
- 2012Severe Storms, Tornadoes, Straight-line Winds and Flooding10 households applied for aid$6K aid approved
- 2004Severe Storms, Tornadoes, Flooding, and Mudslides23 households applied for aid$26K aid approved
- 2003Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes3 households applied for aid$2K aid approved
Show all 7
- 2003Severe Winter Ice and Snow Storms, Heavy Rain, Flooding, Tornadoes, and Mud and20 households applied for aid$72K aid approved$16K to the City of Warfield for repairs
Martin County has had 28 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Martin County, 1999–2001.
Old photos of Warfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Warfield archive →Warfield and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Kermit | — | 153 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 Warfield 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.
- 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 Warfield
Does Warfield flood?
Flood insurance has paid 7 claims in Warfield since 2021, $1.4M in all. 1 properties have flooded more than once. The most claims came from February Kentucky Flooding (6).
Is Warfield 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 Martin County, 17% of homes in mapped flood zones carry federal flood insurance, and 5.0% of all homes do.
How much is flood insurance in Warfield?
FEMA’s Community Rating System list shows no discount for Warfield’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 Warfield?
By FEMA money that reached Warfield, Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (2025): 53 households applied for aid, $203K approved. By flood claims, February Kentucky Flooding: 6 paid, $1.2M.
Storm stories
Memories, warnings and help from neighbors in Warfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Warfield’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.