FEMA expects more hazard damage per building in Toppers than in 71% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Toppers gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns. Most of that expected damage is river and rain flooding (62%), then ice storms (18%). 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 Toppers 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
Ice storms
Hail
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 Toppers’ grade
River and rain flooding is 62% of the building damage FEMA expects in Toppers, and Toppers’ rate of river and rain flooding damage is higher than 66% of U.S. census tracts. Ice storms add 18%, at a rate in the top 1% of U.S. census tracts.
C higher expected damage per building than 71% of U.S. towns (21,298).
All of Toppers’ residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $383K a year in losses across Toppers: $250K to buildings, the rest to people and crops.
Does Toppers flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Toppers. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Toppers isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wagoner County.The storms Toppers remembers
None of the 24 disasters declared for Wagoner County shows FEMA aid or repair money reaching Toppers itself in FEMA’s records, so these are its biggest flood-claim years.
Wagoner County has had 24 natural disasters declared by the President since 1953, most often severe storms, then floods. 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 Wagoner County, 2017–2017.
Toppers and its neighbors
Toppers has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Toppers | Cmore damage than 71% | river and rain flooding | 0 |
| Whitehorn Cove | C−more damage than 83% | river and rain flooding | — |
| Taylor Ferry | — | 906 residents; we grade 1,000+ | |
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 Toppers 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.
- 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.
- 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.
- 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 Toppers
Is Toppers at risk for natural disasters?
On FEMA’s National Risk Index, Toppers has higher expected damage per building than 71% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (62%) and ice storms (18%). 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 Toppers 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 Wagoner County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Toppers?
FEMA’s Community Rating System list shows no discount for Toppers’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Toppers at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Toppers’ rate for it is higher than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Toppers.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Toppers’ 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.