Photo: Andrew Filer · CC BY-SA 2.0Storms, floods and disasters in Carpio
Carpio isn’t graded for hazard risk: Carpio has 184 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 2011.
What Carpio 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
Winter storms
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); winter storms is FEMA’s “Winter Weather” (snow, sleet and freezing rain). 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 Carpio flood? Rarely: 2 flood claims since 2011
Every paid claim on a federal flood insurance policy in Carpio, from FEMA’s records.
- The Late spring storms1 claim · $12K
Carpio is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Ward County.3 federal disasters brought FEMA money to Carpio
Disasters that paid out in Carpio itself (aid to households or repair grants to the City of Carpio), newest first, with that year’s flood claims.
- 2011Flooding31 households applied for aid$48K aid approved2 flood claims paid that year
- 2009Severe Storms and Flooding2 households applied for aid$601 aid approved
- 1999Severe Storms, Flooding, Snow, Ice, Ground Saturation, Lanslides, Mudslides, and Tor$14K to the City of Carpio for repairs
Ward County has had 25 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 Carpio after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Carpio archive →Carpio and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Carpio Township | — | 40 residents; we grade 1,000+ | |
| Mayland Township | — | 77 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Carpio 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.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- 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.
- Carpio residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Carpio
Does Carpio flood?
Flood insurance has paid 2 claims in Carpio since 2011, $16K in all. The most claims came from Late spring storms (1).
Is Carpio 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 Ward County, 4.5% of all homes carry federal flood insurance.
How much is flood insurance in Carpio?
Carpio is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Carpio?
By FEMA money that reached Carpio, Flooding (2011): 31 households applied for aid, $48K approved. By flood claims, Late spring storms: 1 paid, $12K.
Storm stories
Memories, warnings and help from neighbors in Carpio.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Carpio’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.