On FEMA’s figures, Cade faces more hazard damage per building than 93% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Cade gets a D for hazard risk: higher expected damage per building than 93% of U.S. towns. Most of that expected damage is hurricanes (63%), then river and rain flooding (33%). 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 Cade faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
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.
What’s behind Cade’s grade
Hurricanes are 63% of the building damage FEMA expects in Cade, and Cade’s rate of hurricanes damage is in the top 4% of U.S. census tracts. Next is river and rain flooding at 33% (higher than 70% of U.S. census tracts).
D higher expected damage per building than 93% of U.S. towns (21,298).
Cade’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $2.9M a year in losses across Cade: $2.4M to buildings, the rest to people and crops.
Does Cade flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cade. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cade isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: St. Martin Parish.8 federal disasters brought FEMA money to Cade
Disasters that paid out in Cade itself (aid to households or repair grants to Cade), newest first, with that year’s flood claims.
- 2021Hurricane Ida4 households applied for aid$2K aid approved
- 2020Hurricane Delta3 households applied for aid$2K aid approved
- 2016Severe Storms and Flooding13 households applied for aid$24K aid approved
- 2012Hurricane Isaac4 households applied for aid$2K aid approved
- 2008Hurricane Gustav46 households applied for aid$50K aid approved
- 2005Hurricane Rita95 households applied for aid$127K aid approved
Show all 8
- 2005Hurricane Katrina14 households applied for aid$10K aid approved
- 2004Severe Storms and Flooding4 households applied for aid$249 aid approved
St. Martin Parish has had 40 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods.
Old photos of Cade after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cade archive →Cade and its neighbors
Cade is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Broussard | Dmore damage than 92% | hurricanes | 151 |
| Cade | Dmore damage than 93% | hurricanes | 0 |
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 Cade faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Cade
Is Cade at risk for natural disasters?
On FEMA’s National Risk Index, Cade has higher expected damage per building than 93% of U.S. towns: D for hazard risk. Most of the expected damage is hurricanes (63%) and river and rain flooding (33%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Cade 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 St. Martin Parish, 25% of homes in mapped flood zones carry federal flood insurance, and 9.9% of all homes do.
How much is flood insurance in Cade?
FEMA’s Community Rating System list shows no discount for Cade’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 Cade?
By FEMA money that reached Cade, Hurricane Rita (2005): 95 households applied for aid, $127K approved.
Is Cade at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (63%), and Cade’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cade.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cade’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.