Photo: Andrew Filer · CC BY-SA 2.0Storms, floods and disasters in Warwick
Warwick isn’t graded for hazard risk: Warwick has 83 residents; we grade towns of 1,000 or more.
What Warwick 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
Strong wind
Wildfire
Ice storms
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 Warwick flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Warwick. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Warwick isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Benson County.5 federal disasters brought FEMA money to Warwick
Disasters that paid out in Warwick itself (aid to households or repair grants to the City of Warwick), newest first, with that year’s flood claims.
- 2009Severe Storms and Flooding6 households applied for aid$890 aid approved$2K to the City of Warwick for repairs
- 2005Severe Storms, Flooding, and Ground Saturation$3K to the City of Warwick for repairs
- 2004Severe Storms, Flooding, and Ground Saturation$4K to the City of Warwick for repairs
- 2001Severe Storms, Flooding, and Ground Saturation$6K to the City of Warwick for repairs
- 2000Severe Storms, Flooding and Ground Saturation$7K to the City of Warwick for repairs
Its 2 counties have had 27 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 Warwick after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Warwick archive →Warwick 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 |
|---|---|---|---|
| Warwick Township | — | 108 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 Warwick 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Warwick
Is Warwick 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 Benson County, 100% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Warwick?
FEMA’s Community Rating System list shows no discount for Warwick’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 Warwick?
By FEMA money that reached Warwick, Severe Storms, Flooding and Ground Saturation (2000): $7K to the City of Warwick for repairs.
Storm stories
Memories, warnings and help from neighbors in Warwick.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Warwick’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.