Storms, floods and disasters in Waverly
Waverly isn’t graded for hazard risk: Waverly is a Census area inside a town, graded with the town. Flood insurance has paid 13 claims here since 1981.
What Waverly 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
Strong wind
Hail
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 Waverly flood? Sometimes: 13 flood claims since 1981
Every paid claim on a federal flood insurance policy in Waverly, from FEMA’s records.
Waverly isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Eaton County.The storms Waverly remembers
None of the 10 disasters declared for Eaton County shows FEMA aid or repair money reaching Waverly itself in FEMA’s records, so these are its biggest flood-claim years.
- 19814 flood claims paidNo declaration for the county that year
- 19864 flood claims paidNo declaration for the county that year
- 19821 flood claims paidNo declaration for the county that year
Eaton County has had 10 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Waverly after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Waverly archive →Get ready for what Waverly 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Waverly
Does Waverly flood?
Flood insurance has paid 13 claims in Waverly since 1981, $170K in all.
Is Waverly 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 Eaton County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Waverly?
FEMA’s Community Rating System list shows no discount for Waverly’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Waverly.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Waverly’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.