On FEMA’s figures, Coldstream faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Coldstream gets a C+ for hazard risk: higher expected damage per building than 55% of U.S. towns. Most of that expected damage is river and rain flooding (84%), then tornadoes (12%). FEMA’s files show no paid flood insurance claims here.
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 Coldstream 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
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 Coldstream’s grade
River and rain flooding is 84% of the building damage FEMA expects in Coldstream, and Coldstream’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Next is tornadoes at 12% (higher than 88% of U.S. census tracts).
C+ higher expected damage per building than 55% of U.S. towns (21,298).
All of Coldstream’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $763K a year in losses across Coldstream: $634K to buildings, the rest to people and crops.
Does Coldstream flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Coldstream. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Coldstream isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hamilton County.The storms Coldstream remembers
None of the 16 disasters declared for Hamilton County shows FEMA aid or repair money reaching Coldstream itself in FEMA’s records, so these are its biggest flood-claim years.
Hamilton 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.
Coldstream and its neighbors
Coldstream is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Forestville | Aless damage than 89% | river and rain flooding | — |
| Anderson Township | A−less damage than 79% | river and rain flooding | 45 |
| Coldstream | C+more damage than 55% | river and rain flooding | 0 |
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 Coldstream 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.
- 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 Coldstream
Is Coldstream at risk for natural disasters?
On FEMA’s National Risk Index, Coldstream has higher expected damage per building than 55% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (84%) and tornadoes (12%). 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.
Is Coldstream 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 Hamilton County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Coldstream?
FEMA’s Community Rating System list shows no discount for Coldstream’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Coldstream at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Coldstream’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coldstream.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coldstream’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.