Photo: Roseohioresident · CC BY-SA 4.0Storms, floods and disasters in Fredericksburg
Fredericksburg isn’t graded for hazard risk: Fredericksburg has 452 residents; we grade towns of 1,000 or more. Flood insurance has paid 3 claims here since 1979.
What Fredericksburg 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.
Does Fredericksburg flood? Rarely: 3 flood claims since 1979
Every paid claim on a federal flood insurance policy in Fredericksburg, from FEMA’s records.
Fredericksburg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wayne County.1 federal disaster brought FEMA money to Fredericksburg
Disasters that paid out in Fredericksburg itself (aid to households or repair grants to the Village of Fredericksburg), newest first, with that year’s flood claims.
- 2004Severe Winter Storms, Flooding, and Mudslides4 households applied for aid$2K aid approved
Wayne County has had 7 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Fredericksburg after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fredericksburg archive →Fredericksburg and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Franklin Township | Aless damage than 91% | river and rain flooding | — |
| Salt Creek Township | — | not graded yet | |
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 Fredericksburg 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 Fredericksburg
Does Fredericksburg flood?
Flood insurance has paid 3 claims in Fredericksburg since 1979, $3K in all.
Is Fredericksburg 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 Wayne County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Fredericksburg?
FEMA’s Community Rating System list shows no discount for Fredericksburg’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 Fredericksburg?
By FEMA money that reached Fredericksburg, Severe Winter Storms, Flooding, and Mudslides (2004): 4 households applied for aid, $2K approved.
Storm stories
Memories, warnings and help from neighbors in Fredericksburg.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fredericksburg’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.