Storms, floods and disasters in Cross Keys
Cross Keys isn’t graded for hazard risk: Cross Keys has 420 residents; we grade towns of 1,000 or more. Flood insurance has paid 40 claims here since 1993.
What Cross Keys 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.
Does Cross Keys flood? Sometimes: 40 flood claims since 1993
Every paid claim on a federal flood insurance policy in Cross Keys, from FEMA’s records.
- Tropical Storm Ivan5 claims · $11K
- Tropical Storm Lee1 claim · $7K
- Tropical Storm Bill1 claim · $3K
Cross Keys isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Blair County.The storms Cross Keys remembers
None of the 15 disasters declared for Blair County shows FEMA aid or repair money reaching Cross Keys itself in FEMA’s records, so these are its biggest flood-claim years.
- 200411 flood claims paidThe year of Tropical Depression Ivan, declared for Blair County
- 19967 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Blair County
- 20187 flood claims paidNo declaration for the county that year
Blair County has had 15 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 Cross Keys after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cross Keys archive →Get ready for what Cross Keys 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 Cross Keys
Does Cross Keys flood?
Flood insurance has paid 40 claims in Cross Keys since 1993, $766K in all. The most claims came from Tropical Storm Ivan (5).
Is Cross Keys 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 Blair County, 19% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Cross Keys?
FEMA’s Community Rating System list shows no discount for Cross Keys’ 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 Cross Keys?
By flood claims, Tropical Storm Ivan: 5 paid, $11K.
Storm stories
Memories, warnings and help from neighbors in Cross Keys.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cross Keys’ 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.