Snoke Farmstead · Photo: Ammodramus · CC0FEMA expects more hazard damage per building in Eagle than in 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Eagle gets a C for hazard risk: higher expected damage per building than 74% of U.S. towns. Most of that expected damage is river and rain flooding (67%), then tornadoes (15%). Flood insurance has paid 1 claim here since 1990.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Eagle 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
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.
What’s behind Eagle’s grade
River and rain flooding is 67% of the building damage FEMA expects in Eagle, and Eagle’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Tornadoes add 15%, at a rate in the top 3% of U.S. census tracts.
C higher expected damage per building than 74% of U.S. towns (21,298).
All of Eagle’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $662K a year in losses across Eagle: $418K to buildings, the rest to people and crops.
Does Eagle flood? Rarely: 1 flood claim since 1990
Every paid claim on a federal flood insurance policy in Eagle, from FEMA’s records: 1.9 per 1,000 homes, fewer than 63% of the 13,809 U.S. towns with a flood insurance record.
Eagle isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cass County.1 federal disaster brought FEMA money to Eagle
Disasters that paid out in Eagle itself (aid to households or repair grants to the Village of Eagle), newest first, with that year’s flood claims.
- 2019Severe Winter Storm, Straight-line Winds, and Flooding2 households applied for aid$3K aid approved
Cass County has had 23 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Cass County, 2023–2023.
Old photos of Eagle after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Eagle archive →Get ready for what Eagle 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.
- 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 Eagle
Is Eagle at risk for natural disasters?
On FEMA’s National Risk Index, Eagle has higher expected damage per building than 74% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (67%) and tornadoes (15%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Eagle flood?
Flood insurance has paid 1 claim in Eagle since 1990, $2K in all, or 1.9 per 1,000 homes, fewer than 63% of U.S. towns with a flood insurance record.
Is Eagle 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 Cass County, 29% of homes in mapped flood zones carry federal flood insurance, and 3.0% of all homes do.
How much is flood insurance in Eagle?
FEMA’s Community Rating System list shows no discount for Eagle’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 Eagle?
By FEMA money that reached Eagle, Severe Winter Storm, Straight-line Winds, and Flooding (2019): 2 households applied for aid, $3K approved.
Is Eagle at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Eagle’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Eagle.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eagle’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.