Photo: Nyttend · Public domainMore hazard damage per building is expected in Tiltonsville than in 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Tiltonsville gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns. Most of that expected damage is river and rain flooding (97%). Flood insurance has paid 1 claim here since 1985.
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 Tiltonsville 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.
What’s behind Tiltonsville’s grade
River and rain flooding is 97% of the building damage FEMA expects in Tiltonsville, and Tiltonsville’s rate of river and rain flooding damage is in the top 2% of U.S. census tracts.
D higher expected damage per building than 94% of U.S. towns (21,298).
All of Tiltonsville’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.3M a year in losses across Tiltonsville: $1.3M to buildings, the rest to people and crops.
Does Tiltonsville flood? Rarely: 1 flood claim since 1985
Every paid claim on a federal flood insurance policy in Tiltonsville, from FEMA’s records: 1.4 per 1,000 homes, fewer than 70% of the 13,809 U.S. towns with a flood insurance record.
Tiltonsville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.1 federal disaster brought FEMA money to Tiltonsville
Disasters that paid out in Tiltonsville itself (aid to households or repair grants to the Village of Tiltonsville), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding6 households applied for aid$14K aid approved$31K to the Village of Tiltonsville for repairs
Jefferson County has had 19 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 Tiltonsville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Tiltonsville archive →Tiltonsville and its neighbors
Tiltonsville is 2nd of the 2 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 |
|---|---|---|---|
| Warren Township | Dmore damage than 90% | river and rain flooding | 31 |
| Tiltonsville | Dmore damage than 94% | river and rain flooding | 1 |
| Rayland | — | 507 residents; we grade 1,000+ | |
| Yorkville | — | 908 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 Tiltonsville 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 Tiltonsville
Is Tiltonsville at risk for natural disasters?
On FEMA’s National Risk Index, Tiltonsville has higher expected damage per building than 94% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (97%). 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 Tiltonsville flood?
Flood insurance has paid 1 claim in Tiltonsville since 1985, $1K in all, or 1.4 per 1,000 homes, fewer than 70% of U.S. towns with a flood insurance record.
Is Tiltonsville 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 Jefferson County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Tiltonsville?
FEMA’s Community Rating System list shows no discount for Tiltonsville’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 Tiltonsville?
By FEMA money that reached Tiltonsville, Severe Storms and Flooding (2004): 6 households applied for aid, $14K approved, and $31K to the Village of Tiltonsville for repairs.
Is Tiltonsville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (97%), and Tiltonsville’s rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Tiltonsville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tiltonsville’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.