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–Not graded
Natural hazards in Bogota · FEMA

Storms, floods and disasters in Bogota

Bogota isn’t graded for hazard risk: Bogota has 67 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 18 declared for Dyer County
By hazard

What Bogota faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Earthquakes

52%of expected building damage
Well above average · in the top 6% of U.S. census tracts

River and rain flooding

34%of expected building damage
Above average · higher than 62% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

9%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about once every 5 years in the area
Smaller shares here
 Ice storms top 4% Strong wind Winter storms top 2% Hail Landslides top 2% Hurricanes Lightning Wildfire Cold waves Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 12% of Bogota’s expected losses. Drought does 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 Bogota flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Bogota. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Dyer County.
What’s been done with FEMA grants
21flood-prone properties bought out and cleared
Disasters

2 federal disasters brought FEMA money to Bogota

Disasters that paid out in Bogota itself (aid to households or repair grants to Bogota), newest first, with that year’s flood claims.

  1. 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding31 households applied for aid$423K aid approved
  2. 2011Severe Storms, Straight-line Winds, Tornadoes, and Flooding20 households applied for aid$25K aid approved
Disasters declared, by decade
Paid out in BogotaDyer County only

Dyer County has had 18 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Bogota archive →
Be ready

Get ready for what Bogota faces

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

Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
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 ↗
Tornado warnings
  • 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.
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 Bogota

Is Bogota 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 Dyer County, 18% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.

How much is flood insurance in Bogota?

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

By FEMA money that reached Bogota, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2025): 31 households applied for aid, $423K approved.

Storm stories

Memories, warnings and help from neighbors in Bogota.

Town Square →
Start the conversation

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