On FEMA’s figures, Mooreland faces more hazard damage per building than 69% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Mooreland gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns. Most of that expected damage is river and rain flooding (47%), then wildfire (21%). 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 stands out about Mooreland’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Mooreland 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.
What’s behind Mooreland’s grade
River and rain flooding is 47% of the building damage FEMA expects in Mooreland, and Mooreland’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Wildfire adds 21%, at a rate in the top 3% of U.S. census tracts.
C higher expected damage per building than 69% of U.S. towns (21,298).
All of Mooreland’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 Mooreland: $778K to buildings, the rest to people and crops.
Does Mooreland flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Mooreland. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Mooreland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Woodward County.2 federal disasters brought FEMA money to Mooreland
Disasters that paid out in Mooreland itself (aid to households or repair grants to the Town of Mooreland), newest first, with that year’s flood claims.
- 2017Severe Winter Storm$27K to the Town of Mooreland for repairs
- 2002Severe Winter Ice Storm$2K to the Town of Mooreland for repairs
Woodward 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 8 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Woodward County, 2008–2026.
Old photos of Mooreland after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mooreland archive →Get ready for what Mooreland 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 Mooreland
Is Mooreland at risk for natural disasters?
On FEMA’s National Risk Index, Mooreland has higher expected damage per building than 69% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (47%) and wildfire (21%). 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 Mooreland 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 Woodward County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Mooreland?
FEMA’s Community Rating System list shows no discount for Mooreland’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 Mooreland?
By FEMA money that reached Mooreland, Severe Winter Storm (2017): $27K to the Town of Mooreland for repairs.
Is Mooreland at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (47%), and Mooreland’s rate for it is lower than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mooreland.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mooreland’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.