Photo: self · CC BY-SA 4.0Storms, floods and disasters in Willis Wharf
Willis Wharf isn’t graded for hazard risk: Willis Wharf has 278 residents; we grade towns of 1,000 or more.
What Willis Wharf 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
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 Willis Wharf flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Willis Wharf. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Willis Wharf isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Northampton County.1 federal disaster brought FEMA money to Willis Wharf
Disasters that paid out in Willis Wharf itself (aid to households or repair grants to Willis Wharf), newest first, with that year’s flood claims.
- 2003Hurricane Isabel5 households applied for aid$13K aid approved
Northampton County has had 17 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 Willis Wharf after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Willis Wharf archive →Willis Wharf and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Exmore | Cmore damage than 74% | hurricanes | 5 |
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 Willis Wharf 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.
- 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 Willis Wharf
Is Willis Wharf 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 Northampton County, 43% of homes in mapped flood zones carry federal flood insurance, and 5.0% of all homes do.
How much is flood insurance in Willis Wharf?
FEMA’s Community Rating System list shows no discount for Willis Wharf’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 Willis Wharf?
By FEMA money that reached Willis Wharf, Hurricane Isabel (2003): 5 households applied for aid, $13K approved.
Storm stories
Memories, warnings and help from neighbors in Willis Wharf.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Willis Wharf’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.