Photo: Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0FEMA expects more hazard damage per building in Egan than in 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Egan gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns. Most of that expected damage is river and rain flooding (50%), then hurricanes (45%). 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 Egan 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
Hurricanes
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 Egan’s grade
River and rain flooding is 50% of the building damage FEMA expects in Egan, and Egan’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts. Hurricanes add 45%, at a rate in the top 5% of U.S. census tracts.
D higher expected damage per building than 94% of U.S. towns (21,298).
All of Egan’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $563K a year in losses across Egan: $420K to buildings, the rest to people and crops.
Does Egan flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Egan. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Egan isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Acadia Parish.8 federal disasters brought FEMA money to Egan
Disasters that paid out in Egan itself (aid to households or repair grants to Egan), newest first, with that year’s flood claims.
- 2020Hurricane Delta62 households applied for aid$42K aid approved
- 2020Hurricane Laura103 households applied for aid$129K aid approved
- 2016Severe Storms and Flooding64 households applied for aid$154K aid approved
- 2008Hurricane Ike12 households applied for aid$26K aid approved
- 2008Hurricane Gustav50 households applied for aid$8K aid approved
- 2005Hurricane Rita332 households applied for aid$284K aid approved
Show all 8
- 2005Hurricane Katrina10 households applied for aid$15K aid approved
- 2004Severe Storms and Flooding5 households applied for aid$5K aid approved
Acadia Parish has had 31 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms.
Old photos of Egan after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Egan archive →Get ready for what Egan 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.
- 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.
- 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 Egan
Is Egan at risk for natural disasters?
On FEMA’s National Risk Index, Egan has higher expected damage per building than 94% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (50%) and hurricanes (45%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Egan 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 Acadia Parish, 25% of homes in mapped flood zones carry federal flood insurance, and 9.2% of all homes do.
How much is flood insurance in Egan?
FEMA’s Community Rating System list shows no discount for Egan’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 Egan?
By FEMA money that reached Egan, Hurricane Rita (2005): 332 households applied for aid, $284K approved.
Is Egan at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (50%), and Egan’s rate for it is higher than 89% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Egan.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Egan’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.