Photo: Ammodramus · Public domainStorms, floods and disasters in Beemer
Beemer isn’t graded for hazard risk: Beemer has 775 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 2019.
What Beemer 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
Wildfire
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 Beemer flood? Rarely: 4 flood claims since 2019
Every paid claim on a federal flood insurance policy in Beemer, from FEMA’s records.
- The March 2019 Midwest Flooding4 claims · $37K
Beemer isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cuming County.2 federal disasters brought FEMA money to Beemer
Disasters that paid out in Beemer itself (aid to households or repair grants to the Village of Beemer), newest first, with that year’s flood claims.
- 2019Severe Winter Storm, Straight-line Winds, and Flooding21 households applied for aid$46K aid approved$44K to the Village of Beemer for repairs4 flood claims paid that year
- 2003Severe Storms and Tornadoes$23K to the Village of Beemer for repairs
Cuming County has had 21 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.
Old photos of Beemer after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Beemer archive →Get ready for what Beemer 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.
- 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.
- 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 Beemer
Does Beemer flood?
Flood insurance has paid 4 claims in Beemer since 2019, $37K in all. The most claims came from March 2019 Midwest Flooding (4).
Is Beemer 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 Cuming County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Beemer?
FEMA’s Community Rating System list shows no discount for Beemer’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 Beemer?
By FEMA money that reached Beemer, Severe Winter Storm, Straight-line Winds, and Flooding (2019): 21 households applied for aid, $46K approved, and $44K to the Village of Beemer for repairs. By flood claims, March 2019 Midwest Flooding: 4 paid, $37K.
Storm stories
Memories, warnings and help from neighbors in Beemer.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Beemer’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.