Storms, floods and disasters in Munnsville
Munnsville isn’t graded for hazard risk: Munnsville has 369 residents; we grade towns of 1,000 or more. Flood insurance has paid 5 claims here since 1991.
What Munnsville 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
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 Munnsville flood? Rarely: 5 flood claims since 1991
Every paid claim on a federal flood insurance policy in Munnsville, from FEMA’s records.
- Hurricane Sandy2 claims · $273K
- The “Halloween” storm1 claim · $953
- The December Storm - nor’easter1 claim · $4K
Munnsville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.1 federal disaster brought FEMA money to Munnsville
Disasters that paid out in Munnsville itself (aid to households or repair grants to the Village of Munnsville), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding1 households applied for aid$5K aid approved
Madison County has had 18 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; the 2001 World Trade Center declarations.
Old photos of Munnsville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Munnsville archive →Get ready for what Munnsville 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.
- 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 Munnsville
Does Munnsville flood?
Flood insurance has paid 5 claims in Munnsville since 1991, $376K in all. The most claims came from Hurricane Sandy (2).
Is Munnsville 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 Madison County, 1.1% of all homes carry federal flood insurance.
How much is flood insurance in Munnsville?
FEMA’s Community Rating System list shows no discount for Munnsville’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 Munnsville?
By FEMA money that reached Munnsville, Severe Storms and Flooding (2004): 1 households applied for aid, $5K approved. By flood claims, Hurricane Sandy: 2 paid, $273K.
Storm stories
Memories, warnings and help from neighbors in Munnsville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Munnsville’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.