More hazard damage per building is expected in Whitehorn Cove than in 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Whitehorn Cove gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then ice storms (14%). 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 Whitehorn Cove 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 Whitehorn Cove’s grade
River and rain flooding is 70% of the building damage FEMA expects in Whitehorn Cove, and Whitehorn Cove’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts. Ice storms add 14%, at a rate in the top 1% of U.S. census tracts.
C− higher expected damage per building than 83% of U.S. towns (21,298).
All of Whitehorn Cove’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $568K a year in losses across Whitehorn Cove: $377K to buildings, the rest to people and crops.
Does Whitehorn Cove flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Whitehorn Cove. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Whitehorn Cove 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 Whitehorn Cove remembers
None of the 24 disasters declared for Wagoner County shows FEMA aid or repair money reaching Whitehorn Cove 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.
Whitehorn Cove and its neighbors
Whitehorn Cove is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Toppers | Cmore damage than 71% | river and rain flooding | — |
| Whitehorn Cove | C−more damage than 83% | river and rain flooding | 0 |
| Rocky Point | — | 821 residents; we grade 1,000+ | |
| 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 Whitehorn Cove 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 Whitehorn Cove
Is Whitehorn Cove at risk for natural disasters?
On FEMA’s National Risk Index, Whitehorn Cove has higher expected damage per building than 83% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (70%) and ice storms (14%). 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 Whitehorn Cove 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 Whitehorn Cove?
FEMA’s Community Rating System list shows no discount for Whitehorn Cove’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Whitehorn Cove at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Whitehorn Cove’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Whitehorn Cove.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Whitehorn Cove’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.