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–Not graded
Natural hazards in Naylor · FEMA

Storms, floods and disasters in Naylor

Naylor isn’t graded for hazard risk: Naylor has 388 residents; we grade towns of 1,000 or more. Flood insurance has paid 3 claims here since 1993.

Flood claims
3
paid since 1993 · $47K
Disasters paid out here
6
of 19 declared for Ripley County
By hazard

What Naylor 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

69%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about 3 times a year in the area

Earthquakes

18%of expected building damage
Well above average · higher than 86% of U.S. census tracts

Tornadoes

6%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about once every 14 years in the area
Smaller shares here
 Ice storms top 3% Strong wind top 5% Winter storms top 2% Hail Hurricanes Wildfire Lightning Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 12% of Naylor’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Naylor flood? Rarely: 3 flood claims since 1993

Every paid claim on a federal flood insurance policy in Naylor, from FEMA’s records.

Paid flood claims, by year
1993: 2 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 1 claim2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims19932016
19932026
Biggest named events
  • The Midwest Flooding2 claims · $44K
3
paid claims since 1993
$47K
paid to owners
0
homes flooded more than once
$16K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Naylor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Ripley County.
What’s been done with FEMA grants
1storm safe room built
Disasters

6 federal disasters brought FEMA money to Naylor

Disasters that paid out in Naylor itself (aid to households or repair grants to the City of Naylor), newest first, with that year’s flood claims.

  1. 2025Severe Storms, Straight-line Winds, Tornadoes, and Wildfires18 households applied for aid$30K aid approved
  2. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding74 households applied for aid$342K aid approved$15K to the City of Naylor for repairs
  3. 2017Severe Storms, Tornadoes, Straight-line Winds and Flooding9 households applied for aid$19K aid approved
  4. 2011Severe Storms, Tornadoes, and Flooding15 households applied for aid$83K aid approved
  5. 2009Severe Winter Storm$19K to the City of Naylor for repairs
  6. 2008Severe Storms and Flooding8 households applied for aid$32K aid approved$6K to the City of Naylor for repairs
Disasters declared, by decade
Paid out in NaylorRipley County only

Ripley County has had 19 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.

Were you here?

Old photos of Naylor after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Naylor archive →
Be ready

Get ready for what Naylor faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Naylor

Does Naylor flood?

Flood insurance has paid 3 claims in Naylor since 1993, $47K in all. The most claims came from Midwest Flooding (2).

Is Naylor 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 Ripley County, 15% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.

How much is flood insurance in Naylor?

FEMA’s Community Rating System list shows no discount for Naylor’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 Naylor?

By FEMA money that reached Naylor, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): 74 households applied for aid, $342K approved, and $15K to the City of Naylor for repairs. By flood claims, Midwest Flooding: 2 paid, $44K.

Storm stories

Memories, warnings and help from neighbors in Naylor.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Naylor’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.