Lake Bridenthal House · Photo: Ammodramus · CC0FEMA expects more hazard damage per building in Wymore than in 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Wymore gets a C for hazard risk: higher expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (60%), then tornadoes (19%). Flood insurance has paid 3 claims here since 1984.
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 Wymore 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
Strong wind
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 Wymore’s grade
River and rain flooding is 60% of the building damage FEMA expects in Wymore, and Wymore’s rate of river and rain flooding damage is higher than 68% of U.S. census tracts. Tornadoes add 19%, at a rate in the top 1% of U.S. census tracts.
C higher expected damage per building than 75% of U.S. towns (21,298).
All of Wymore’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.1M a year in losses across Wymore: $627K to buildings, the rest to people and crops.
Does Wymore flood? Rarely: 3 flood claims since 1984
Every paid claim on a federal flood insurance policy in Wymore, from FEMA’s records: 4.1 per 1,000 homes, more than 55% of the 13,809 U.S. towns with a flood insurance record.
- The Midwest Flooding1 claim · $500
Wymore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Gage County.7 federal disasters brought FEMA money to Wymore
Disasters that paid out in Wymore itself (aid to households or repair grants to the City of Wymore), newest first, with that year’s flood claims.
- 2021Severe Storms, Straight-line Winds, and Tornadoes$22K to the City of Wymore for repairs
- 2019Severe Winter Storm, Straight-line Winds, and Flooding$135K to the City of Wymore for repairs
- 2017Severe Storms, Tornadoes, and Straight-line Winds$23K to the City of Wymore for repairs
- 2009Severe Winter Storm$1K to the City of Wymore for repairs
- 2008Severe Storms, Tornadoes, and Flooding1 households applied for aid$5K to the City of Wymore for repairs
- 2008Severe Storms, Tornadoes, and Flooding$2K to the City of Wymore for repairs
Show all 7
- 2007Severe Winter Storm$12K to the City of Wymore for repairs
Gage 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 Wymore after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wymore archive →Wymore and its neighbors
Wymore has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Wymore | Cmore damage than 75% | river and rain flooding | 3 |
| Blue Springs | — | 328 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 Wymore 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Wymore
Is Wymore at risk for natural disasters?
On FEMA’s National Risk Index, Wymore has higher expected damage per building than 75% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (60%) and tornadoes (19%). 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 Wymore flood?
Flood insurance has paid 3 claims in Wymore since 1984, $17K in all, or 4.1 per 1,000 homes, more than 55% of U.S. towns with a flood insurance record. The most claims came from Midwest Flooding (1).
Is Wymore 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 Gage County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Wymore?
FEMA’s Community Rating System list shows no discount for Wymore’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 Wymore?
By FEMA money that reached Wymore, Severe Winter Storm, Straight-line Winds, and Flooding (2019): $135K to the City of Wymore for repairs. By flood claims, Midwest Flooding: 1 paid, $500.
Is Wymore at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Wymore’s rate for it is higher than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wymore.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wymore’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.