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–Not graded
Natural hazards in King William · FEMA

Storms, floods and disasters in King William

King William isn’t graded for hazard risk: King William has 85 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 20 declared for its 2 counties
By hazard

What King William 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

78%of expected building damage
Above average · higher than 64% of U.S. census tracts
Recorded about once every 2 years in the area

Hurricanes

9%of expected building damage
Well above average · higher than 81% of U.S. census tracts
Recorded about once every 7 years in the area
Smaller shares here
 Tornadoes Coastal flooding top 4% Earthquakes Strong wind Ice storms Hail Wildfire Lightning Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
AvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 37% of King William’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 King William flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in King William. 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

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

Insurance rates: King William County.
What’s been done with FEMA grants
1flood-prone property bought out and cleared
Disasters

2 federal disasters brought FEMA money to King William

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

  1. 2004Severe Storms, Flooding and Tornadoes Associated W Td Gaston11 households applied for aid$13K aid approved
  2. 2003Hurricane Isabel84 households applied for aid$59K aid approved
Disasters declared, by decade
Paid out in King Williamits 2 counties only

Its 2 counties have had 20 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.

Were you here?

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

Add to the King William archive →
Be ready

Get ready for what King William faces

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

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 ↗
Hurricane season
  • 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.
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 King William

Is King William 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 King William County, 34% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.

How much is flood insurance in King William?

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

By FEMA money that reached King William, Hurricane Isabel (2003): 84 households applied for aid, $59K approved.

Storm stories

Memories, warnings and help from neighbors in King William.

Town Square →
Start the conversation

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