Photo: BoonesMill · CC BY-SA 4.0Storms, floods and disasters in Boones Mill
Boones Mill isn’t graded for hazard risk: Boones Mill has 228 residents; we grade towns of 1,000 or more. Flood insurance has paid 3 claims here since 1985.
What Boones Mill 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.
Does Boones Mill flood? Rarely: 3 flood claims since 1985
Every paid claim on a federal flood insurance policy in Boones Mill, from FEMA’s records.
- Hurricane Michael1 claim · $244
Boones Mill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Franklin County.1 federal disaster brought FEMA money to Boones Mill
Disasters that paid out in Boones Mill itself (aid to households or repair grants to the Town of Boones Mill), newest first, with that year’s flood claims.
- 2018Tropical Storm Michael$72K to the Town of Boones Mill for repairs1 flood claim paid for it, $244
Franklin County has had 18 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Boones Mill after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Boones Mill archive →Get ready for what Boones Mill 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 Boones Mill
Does Boones Mill flood?
Flood insurance has paid 3 claims in Boones Mill since 1985, $11K in all. The most claims came from Hurricane Michael (1).
Is Boones Mill 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 Franklin County, 32% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Boones Mill?
FEMA’s Community Rating System list shows no discount for Boones Mill’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 Boones Mill?
By FEMA money that reached Boones Mill, Tropical Storm Michael (2018): $72K to the Town of Boones Mill for repairs. By flood claims, Hurricane Michael: 1 paid, $244.
Storm stories
Memories, warnings and help from neighbors in Boones Mill.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Boones Mill’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.