Storms, floods and disasters in Ratliff City
Ratliff City isn’t graded for hazard risk: Ratliff City has 95 residents; we grade towns of 1,000 or more.
What Ratliff City 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
Wildfire
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 Ratliff City flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Ratliff City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Ratliff City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Carter County.5 federal disasters brought FEMA money to Ratliff City
Disasters that paid out in Ratliff City itself (aid to households or repair grants to the Town of Ratliff City), newest first, with that year’s flood claims.
- 2021Severe Winter Storms7 households applied for aid$2K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding6 households applied for aid$9K aid approved
- 2009Wildfires28 households applied for aid$291K aid approved
- 2005Extreme Wildfire Threat24 households applied for aid$128K aid approved
- 2000Severe Winter Ice Storm$5K to the Town of Ratliff City for repairs
Carter County has had 24 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 Carter County, 2005–2026.
Old photos of Ratliff City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ratliff City archive →Get ready for what Ratliff City 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.
- 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.
- 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 Ratliff City
Is Ratliff City 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 Carter County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Ratliff City?
FEMA’s Community Rating System list shows no discount for Ratliff City’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 Ratliff City?
By FEMA money that reached Ratliff City, Wildfires (2009): 28 households applied for aid, $291K approved.
Storm stories
Memories, warnings and help from neighbors in Ratliff City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ratliff City’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.