FEMA expects about as much hazard damage per building in Urania as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Urania gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (70%). 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 Urania 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
Tornadoes
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 Urania’s grade
River and rain flooding is 70% of the building damage FEMA expects in Urania, and Urania’s rate of river and rain flooding damage is higher than 62% of U.S. census tracts. Strong wind adds 4%, at a rate in the top 8% of U.S. census tracts.
C+ higher expected damage per building than 58% of U.S. towns (21,298).
All of Urania’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $210K a year in losses across Urania: $137K to buildings, the rest to people and crops.
Does Urania flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Urania. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Urania isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: La Salle Parish.4 federal disasters brought FEMA money to Urania
Disasters that paid out in Urania itself (aid to households or repair grants to the Town of Urania), newest first, with that year’s flood claims.
- 2021Severe Winter Storms1 households applied for aid$5K aid approved$21K to the Town of Urania for repairs
- 2020Hurricane Laura35 households applied for aid$20K aid approved$76K to the Town of Urania for repairs
- 2008Hurricane Gustav12 households applied for aid$2K aid approved
- 2006Severe Storms and Flooding9 households applied for aid$7K aid approved
La Salle Parish has had 30 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods.
Old photos of Urania after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Urania archive →Get ready for what Urania 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.
- 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.
- 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 Urania
Is Urania at risk for natural disasters?
On FEMA’s National Risk Index, Urania has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (70%) and tornadoes (10%). 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 Urania 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 La Salle Parish, 1.4% of all homes carry federal flood insurance.
How much is flood insurance in Urania?
FEMA’s Community Rating System list shows no discount for Urania’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 Urania?
By FEMA money that reached Urania, Hurricane Laura (2020): 35 households applied for aid, $20K approved, and $76K to the Town of Urania for repairs.
Is Urania at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Urania’s rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Urania.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Urania’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.