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Beverly Presbyterian Church from northwestPhoto: Nyttend · Public domain
DHazard risk
Natural hazards in Beverly · FEMA

FEMA expects more hazard damage per building in Beverly than in 89% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Beverly gets a D for hazard risk: higher expected damage per building than 89% of U.S. towns. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 12 claims here since 1998.

River and rain flooding 95%Tornadoes 2%Hail 1%

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

more than 89%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D
in Ohio · higher than 89% of U.S. towns
Main hazard
River and rain flooding
95% of expected building damage
Flood claims
12
paid since 1998 · $130K
Flooded more than once
2
properties
Disasters paid out here
4
of 16 declared for Washington County
By hazard

What Beverly 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

95%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Tornadoes Hail Ice storms Strong wind Earthquakes Hurricanes Lightning Wildfire Winter storms Cold waves Heat waves Landslides top 5%
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Beverly’s grade

River and rain flooding is 95% of the building damage FEMA expects in Beverly, and Beverly’s rate of river and rain flooding damage is in the top 4% of U.S. census tracts.

Where Beverly sits
Beverly
Least damageMiddleMost damage

D higher expected damage per building than 89% of U.S. towns (21,298).

All of Beverly’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding95%Everything else5%

In dollars, FEMA expects about $682K a year in losses across Beverly: $604K to buildings, the rest to people and crops.

Shared tract.All of Beverly’s 1,233 residents (2020 census) live in one census tract, which it shares with Adams township (1,516 residents) and Salem township (1,058 residents) and Lowell village (565 residents) and Aurelius township (326 residents) and Macksburg village (120 residents) and Lower Salem village (75 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Beverly flood? Sometimes: 12 flood claims since 1998

Every paid claim on a federal flood insurance policy in Beverly, from FEMA’s records: 19.8 per 1,000 homes, more than 84% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1998: 5 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 5 claims2005: 2 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199820042005
19982026
Biggest named events
  • Tropical Storm Ivan3 claims · $52K
12
paid claims since 1998
$130K
paid to owners
2
homes flooded more than once
$11K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Beverly isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Washington County.
Disasters

4 federal disasters brought FEMA money to Beverly

Disasters that paid out in Beverly itself (aid to households or repair grants to the Village of Beverly), newest first, with that year’s flood claims.

  1. 2012Severe Storms and Straight-line Winds$6K to the Village of Beverly for repairs
  2. 2004Severe Winter Storms, Flooding, and Mudslides1 households applied for aid$758 aid approved
  3. 2004Severe Storms and Flooding21 households applied for aid$48K aid approved$36K to the Village of Beverly for repairs
  4. 2003Severe Winter Storm and Record/near Record Snow$1K to the Village of Beverly for repairs
Disasters declared, by decade
Paid out in BeverlyWashington County only

Washington County has had 16 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.

Were you here?

Old photos of Beverly after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Beverly archive →
Next door

Beverly and its neighbors

Beverly has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.

Waterford: not gradedWaterfordBeverly
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
BeverlyDmore damage than 89%river and rain flooding12
Waterford—395 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.

Be ready

Get ready for what Beverly faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Beverly

Is Beverly at risk for natural disasters?

On FEMA’s National Risk Index, Beverly has higher expected damage per building than 89% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (95%). 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 Beverly flood?

Flood insurance has paid 12 claims in Beverly since 1998, $130K in all, or 19.8 per 1,000 homes, more than 84% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Tropical Storm Ivan (3).

Is Beverly 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 Washington County, 11% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.

How much is flood insurance in Beverly?

FEMA’s Community Rating System list shows no discount for Beverly’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 Beverly?

By FEMA money that reached Beverly, Severe Storms and Flooding (2004): 21 households applied for aid, $48K approved, and $36K to the Village of Beverly for repairs. By flood claims, Tropical Storm Ivan: 3 paid, $52K.

Is Beverly at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (95%), and Beverly’s rate for it is in the top 4% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Beverly.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Beverly’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.