Less hazard damage per building is expected in Bonneauville than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bonneauville gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (79%), then hurricanes (11%). Flood insurance has paid 2 claims here since 1992.
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 Bonneauville 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
Hurricanes
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 Bonneauville’s grade
River and rain flooding is 79% of the building damage FEMA expects in Bonneauville, and Bonneauville’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Next is hurricanes at 11% (higher than 81% of U.S. census tracts).
B+ lower expected damage per building than 66% of U.S. towns (21,298).
All of Bonneauville’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $449K a year in losses across Bonneauville: $303K to buildings, the rest to people and crops.
Does Bonneauville flood? Rarely: 2 flood claims since 1992
Every paid claim on a federal flood insurance policy in Bonneauville, from FEMA’s records: 2.1 per 1,000 homes, fewer than 60% of the 13,809 U.S. towns with a flood insurance record.
Bonneauville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Adams County.The storms Bonneauville remembers
None of the 16 disasters declared for Adams County shows FEMA aid or repair money reaching Bonneauville itself in FEMA’s records, so these are its biggest flood-claim years.
- 19921 flood claims paidNo declaration for the county that year
- 20111 flood claims paidThe year of Tropical Storm Lee, declared for Adams County
Adams County has had 16 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Bonneauville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bonneauville archive →Get ready for what Bonneauville 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.
- 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.
- 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 Bonneauville
Is Bonneauville at risk for natural disasters?
On FEMA’s National Risk Index, Bonneauville has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (79%) and hurricanes (11%). 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.
Does Bonneauville flood?
Flood insurance has paid 2 claims in Bonneauville since 1992, $5K in all, or 2.1 per 1,000 homes, fewer than 60% of U.S. towns with a flood insurance record.
Is Bonneauville 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 Adams County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Bonneauville?
FEMA’s Community Rating System list shows no discount for Bonneauville’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Bonneauville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Bonneauville’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bonneauville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bonneauville’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.