FEMA expects about as much hazard damage per building in West Hill as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, West Hill gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns. Most of that expected damage is river and rain flooding (89%). 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 West Hill 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 West Hill’s grade
River and rain flooding is 89% of the building damage FEMA expects in West Hill, and West Hill’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts.
C+ higher expected damage per building than 56% of U.S. towns (21,298).
All of West Hill’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $687K a year in losses across West Hill: $602K to buildings, the rest to people and crops.
Does West Hill flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in West Hill. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
West Hill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Trumbull County.The storms West Hill remembers
None of the 8 disasters declared for Trumbull County shows FEMA aid or repair money reaching West Hill itself in FEMA’s records, so these are its biggest flood-claim years.
Trumbull County has had 8 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.
West Hill and its neighbors
West Hill is 5th of the 5 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 |
|---|---|---|---|
| Brookfield Center | A−less damage than 82% | river and rain flooding | — |
| Sharon | B+less damage than 74% | river and rain flooding | 29 |
| Brookfield Township | B+less damage than 68% | river and rain flooding | 9 |
| Masury | B−less damage than 54% | river and rain flooding | 4 |
| West Hill | C+more damage than 56% | 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 West Hill 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 West Hill
Is West Hill at risk for natural disasters?
On FEMA’s National Risk Index, West Hill has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (89%). 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 West Hill 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 Trumbull County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in West Hill?
FEMA’s Community Rating System list shows no discount for West Hill’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is West Hill at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (89%), and West Hill’s rate for it is higher than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in West Hill.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where West Hill’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.