Storms, floods and disasters in Opheim
Opheim isn’t graded for hazard risk: Opheim has 86 residents; we grade towns of 1,000 or more.
What Opheim 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
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 Opheim flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Opheim. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Opheim isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Valley County.1 federal disaster brought FEMA money to Opheim
Disasters that paid out in Opheim itself (aid to households or repair grants to the Town of Opheim), newest first, with that year’s flood claims.
- 2011Severe Storms and Flooding1 households applied for aid$581 aid approved
Valley County has had 10 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Opheim after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Opheim archive →Get ready for what Opheim 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.
- 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 Opheim
Is Opheim 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 Valley County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Opheim?
FEMA’s Community Rating System list shows no discount for Opheim’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 Opheim?
By FEMA money that reached Opheim, Severe Storms and Flooding (2011): 1 households applied for aid, $581 approved.
Storm stories
Memories, warnings and help from neighbors in Opheim.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Opheim’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.