Storms, floods and disasters in Dacoma
Dacoma isn’t graded for hazard risk: Dacoma has 90 residents; we grade towns of 1,000 or more.
What Dacoma 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
Wildfire
Hail
Ice storms
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 Dacoma flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Dacoma. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Dacoma isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Woods County.1 federal disaster brought FEMA money to Dacoma
Disasters that paid out in Dacoma itself (aid to households or repair grants to the Town of Dacoma), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding2 households applied for aid$917 aid approved
Woods County has had 19 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Woods County, 2017–2017.
Old photos of Dacoma after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Dacoma archive →Get ready for what Dacoma 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Dacoma
Is Dacoma 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 Woods County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Dacoma?
FEMA’s Community Rating System list shows no discount for Dacoma’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 Dacoma?
By FEMA money that reached Dacoma, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2019): 2 households applied for aid, $917 approved.
Storm stories
Memories, warnings and help from neighbors in Dacoma.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dacoma’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.