Photo: Ser Amantio di Nicolao at English Wikipedia · CC BY-SA 3.0Storms, floods and disasters in White Stone
White Stone isn’t graded for hazard risk: White Stone has 449 residents; we grade towns of 1,000 or more. Flood insurance has paid 5 claims here since 1985.
What White Stone faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Coastal 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 White Stone flood? Rarely: 5 flood claims since 1985
Every paid claim on a federal flood insurance policy in White Stone, from FEMA’s records.
- Tropical Storm Ernesto2 claims · $58K
- Hurricane Isabel1 claim · $5K
White Stone isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lancaster County.1 federal disaster brought FEMA money to White Stone
Disasters that paid out in White Stone itself (aid to households or repair grants to the Town of White Stone), newest first, with that year’s flood claims.
- 2003Hurricane Isabel244 households applied for aid$254K aid approved$2K to the Town of White Stone for repairs1 flood claim paid for it, $5K
Lancaster County has had 19 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.
Old photos of White Stone after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the White Stone archive →Get ready for what White Stone faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 White Stone
Does White Stone flood?
Flood insurance has paid 5 claims in White Stone since 1985, $64K in all. The most claims came from Tropical Storm Ernesto (2).
Is White Stone 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 Lancaster County, 56% of homes in mapped flood zones carry federal flood insurance, and 6.1% of all homes do.
How much is flood insurance in White Stone?
FEMA’s Community Rating System list shows no discount for White Stone’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 White Stone?
By FEMA money that reached White Stone, Hurricane Isabel (2003): 244 households applied for aid, $254K approved, and $2K to the Town of White Stone for repairs. By flood claims, Tropical Storm Ernesto: 2 paid, $58K.
Storm stories
Memories, warnings and help from neighbors in White Stone.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where White Stone’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.