Photo: Nyttend · Public domainFEMA expects about as much hazard damage per building in Little Beaver Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Little Beaver Township gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 1 claim here since 2022.
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 Little Beaver Township 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
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 Little Beaver Township’s grade
River and rain flooding is 94% of the building damage FEMA expects in Little Beaver Township, and Little Beaver Township’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts.
B− lower expected damage per building than 53% of U.S. towns (21,298).
All of Little Beaver Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $287K a year in losses across Little Beaver Township: $261K to buildings, the rest to people and crops.
Does Little Beaver Township flood? Rarely: 1 flood claim since 2022
Every paid claim on a federal flood insurance policy in Little Beaver Township, from FEMA’s records: 2.0 per 1,000 homes, fewer than 62% of the 13,809 U.S. towns with a flood insurance record.
Little Beaver Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lawrence County.The storms Little Beaver Township remembers
None of the 9 disasters declared for Lawrence County shows FEMA aid or repair money reaching Little Beaver Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20221 flood claims paidNo declaration for the county that year
Lawrence County has had 9 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.
Old photos of Little Beaver Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Little Beaver Township archive →Little Beaver Township and its neighbors
Little Beaver Township is 3rd of the 5 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 |
|---|---|---|---|
| Unity Township | B+less damage than 66% | river and rain flooding | 8 |
| North Beaver Township | B+less damage than 66% | river and rain flooding | 3 |
| Little Beaver Township | B−less damage than 53% | river and rain flooding | 1 |
| Darlington Township | Cmore damage than 72% | river and rain flooding | 23 |
| New Beaver | C−more damage than 76% | river and rain flooding | 4 |
| Enon Valley | — | 458 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 Little Beaver Township 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.
- 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 Little Beaver Township
Is Little Beaver Township at risk for natural disasters?
On FEMA’s National Risk Index, Little Beaver Township has lower expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (94%). 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 Little Beaver Township flood?
Flood insurance has paid 1 claim in Little Beaver Township since 2022, $2K in all, or 2.0 per 1,000 homes, fewer than 62% of U.S. towns with a flood insurance record.
Is Little Beaver Township 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 Lawrence County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Little Beaver Township?
FEMA’s Community Rating System list shows no discount for Little Beaver Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Little Beaver Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Little Beaver Township’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Little Beaver Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Little Beaver Township’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.