FEMA expects more hazard damage per building in Maysville than in 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Maysville gets a D for hazard risk: higher expected damage per building than 92% of U.S. towns. Most of that expected damage is river and rain flooding (63%), then tornadoes (10%). Flood insurance has paid 1 claim here since 2016.
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 Maysville 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
Strong wind
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 Maysville’s grade
River and rain flooding is 63% of the building damage FEMA expects in Maysville, and Maysville’s rate of river and rain flooding damage is in the top 9% of U.S. census tracts. Tornadoes add 10%, at a rate in the top 1% of U.S. census tracts.
D higher expected damage per building than 92% of U.S. towns (21,298).
Maysville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $945K a year in losses across Maysville: $526K to buildings, the rest to people and crops.
Does Maysville flood? Rarely: 1 flood claim since 2016
Every paid claim on a federal flood insurance policy in Maysville, from FEMA’s records: 1.4 per 1,000 homes, fewer than 71% of the 13,809 U.S. towns with a flood insurance record.
Maysville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: McClain County.6 federal disasters brought FEMA money to Maysville
Disasters that paid out in Maysville itself (aid to households or repair grants to the Town of Maysville), newest first, with that year’s flood claims.
- 2016Severe Storms and Flooding$50K to the Town of Maysville for repairs1 flood claim paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding2 households applied for aid$24K to the Town of Maysville for repairs
- 2010Severe Winter Storm$10K to the Town of Maysville for repairs
- 2009Severe Winter Storm$827 to the Town of Maysville for repairs
- 2007Severe Storms, Flooding, and Tornadoes3 households applied for aid$6K aid approved
- 2000Severe Winter Ice Storm$2K to the Town of Maysville for repairs
McClain County has had 32 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 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in McClain County, 2006–2026.
Old photos of Maysville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Maysville archive →Get ready for what Maysville 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Maysville
Is Maysville at risk for natural disasters?
On FEMA’s National Risk Index, Maysville has higher expected damage per building than 92% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (63%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Maysville flood?
Flood insurance has paid 1 claim in Maysville since 2016, $3K in all, or 1.4 per 1,000 homes, fewer than 71% of U.S. towns with a flood insurance record.
Is Maysville 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 McClain County, 4% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Maysville?
FEMA’s Community Rating System list shows no discount for Maysville’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 Maysville?
By FEMA money that reached Maysville, Severe Storms and Flooding (2016): $50K to the Town of Maysville for repairs.
Is Maysville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (63%), and Maysville’s rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Maysville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Maysville’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.