FEMA puts Whitney’s expected hazard damage per building below that of 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Whitney gets an A− for hazard risk: lower expected damage per building than 79% of U.S. towns, #18 of 169 in South Carolina. Most of that expected damage is river and rain flooding (72%), then earthquakes (10%). 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 Whitney 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
Earthquakes
Ice storms
Tornadoes
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 Whitney’s grade
River and rain flooding is 72% of the building damage FEMA expects in Whitney, and Whitney’s rate of river and rain flooding damage is lower than 66% of U.S. census tracts. Ice storms add 6%, at a rate in the top 4% of U.S. census tracts.
A− #18 of 169 in South Carolina; lower expected damage per building than 79% of U.S. towns (21,298).
Whitney’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical South Carolina town has lower expected damage than 55% of U.S. towns; within the state, Whitney has less expected damage per building than 90% of South Carolina towns.
In dollars, FEMA expects about $1.2M a year in losses across Whitney: $919K to buildings, the rest to people and crops.
Does Whitney flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Whitney. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Whitney isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Spartanburg County.The storms Whitney remembers
None of the 18 disasters declared for Spartanburg County shows FEMA aid or repair money reaching Whitney itself in FEMA’s records, so these are its biggest flood-claim years.
Spartanburg County has had 18 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Whitney and its neighbors
Whitney 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 |
|---|---|---|---|
| Hilltop | A+less damage than 96% | river and rain flooding | — |
| Drayton | Aless damage than 88% | river and rain flooding | — |
| Whitney | A−less damage than 79% | river and rain flooding | 0 |
| Spartanburg | B+less damage than 70% | river and rain flooding | 41 |
| Valley Falls | C+more damage than 58% | river and rain flooding | 1 |
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 Whitney 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Whitney
Is Whitney at risk for natural disasters?
On FEMA’s National Risk Index, Whitney has lower expected damage per building than 79% of U.S. towns: A− for hazard risk, #18 of 169 in South Carolina. Most of the expected damage is river and rain flooding (72%) and earthquakes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Whitney 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 Spartanburg County, 34% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Whitney?
FEMA’s Community Rating System list shows no discount for Whitney’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Whitney at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Whitney’s rate for it is lower than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Whitney.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Whitney’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.