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–Not graded
Natural hazards in Birchwood Lakes · FEMA

Storms, floods and disasters in Birchwood Lakes

Birchwood Lakes isn’t graded for hazard risk: Birchwood Lakes is a Census area inside a town, graded with the town. Flood insurance has paid 4 claims here since 2000.

Flood claims
4
paid since 2000 · $16K
Disasters paid out here
0
of 13 declared for Pike County
By hazard

What Birchwood Lakes 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

84%of expected building damage
About average · higher than 52% of U.S. census tracts
Recorded about once every 2 years in the area

Hurricanes

7%of expected building damage
Above average · higher than 70% of U.S. census tracts
Recorded about once every 19 years in the area
Smaller shares here
 Strong wind Earthquakes Wildfire Tornadoes Winter storms Ice storms Hail Lightning Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 14% of Birchwood Lakes’ expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Birchwood Lakes flood? Rarely: 4 flood claims since 2000

Every paid claim on a federal flood insurance policy in Birchwood Lakes, from FEMA’s records.

Paid flood claims, by year
2000: 1 claim2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 1 claim2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 1 claim2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims200020062011
20002026
Biggest named events
  • Hurricane Irene1 claim · $6K
4
paid claims since 2000
$16K
paid to owners
0
homes flooded more than once
$4K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Birchwood Lakes isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Pike County.
Disasters

The storms Birchwood Lakes remembers

None of the 13 disasters declared for Pike County shows FEMA aid or repair money reaching Birchwood Lakes itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20001 flood claims paidNo declaration for the county that year
  2. 20061 flood claims paidThe year of Severe Storms, Flooding, and Mudslides, declared for Pike County
  3. 20111 flood claims paidThe year of Hurricane Irene, declared for Pike County
Disasters declared, by decade
Paid out in Birchwood LakesPike County only

Pike County has had 13 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Birchwood Lakes after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Birchwood Lakes archive →
Be ready

Get ready for what Birchwood Lakes faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Birchwood Lakes

Does Birchwood Lakes flood?

Flood insurance has paid 4 claims in Birchwood Lakes since 2000, $16K in all. The most claims came from Hurricane Irene (1).

Is Birchwood Lakes 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 Pike County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Birchwood Lakes?

FEMA’s Community Rating System list shows no discount for Birchwood Lakes’ 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 Birchwood Lakes?

By flood claims, Hurricane Irene: 1 paid, $6K.

Storm stories

Memories, warnings and help from neighbors in Birchwood Lakes.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Birchwood Lakes’ 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.