FEMA puts Bethel Manor’s expected hazard damage per building above that of 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bethel Manor gets a C+ for hazard risk: higher expected damage per building than 65% of U.S. towns, #230 of 253 in Virginia. Most of that expected damage is river and rain flooding (81%), then hurricanes (12%). 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 Bethel Manor 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 Bethel Manor’s grade
River and rain flooding is 81% of the building damage FEMA expects in Bethel Manor, and Bethel Manor’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts. Next is hurricanes at 12% (higher than 83% of U.S. census tracts).
C+ #230 of 253 in Virginia; higher expected damage per building than 65% of U.S. towns (21,298).
All of Bethel Manor’s residents live in one census tract; the figures are that tract’s.
The typical Virginia town has lower expected damage than 81% of U.S. towns; within the state, Bethel Manor has more expected damage per building than 91% of Virginia towns.
In dollars, FEMA expects about $692K a year in losses across Bethel Manor: $502K to buildings, the rest to people and crops.
Does Bethel Manor flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Bethel Manor. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Bethel Manor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: York County.The storms Bethel Manor remembers
None of the 15 disasters declared for York County shows FEMA aid or repair money reaching Bethel Manor itself in FEMA’s records, so these are its biggest flood-claim years.
York County has had 15 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.
Bethel Manor and its neighbors
Bethel Manor is 2nd of the 2 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 |
|---|---|---|---|
| Hampton | Aless damage than 85% | river and rain flooding | 4,715 |
| Bethel Manor | C+more damage than 65% | river and rain flooding | 0 |
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 Bethel Manor 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 Bethel Manor
Is Bethel Manor at risk for natural disasters?
On FEMA’s National Risk Index, Bethel Manor has higher expected damage per building than 65% of U.S. towns: C+ for hazard risk, #230 of 253 in Virginia. Most of the expected damage is river and rain flooding (81%) and hurricanes (12%). 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.
Is Bethel Manor 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 York County, 11.0% of all homes carry federal flood insurance.
How much is flood insurance in Bethel Manor?
FEMA’s Community Rating System list shows no discount for Bethel Manor’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Bethel Manor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Bethel Manor’s rate for it is higher than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bethel Manor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bethel Manor’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.