FEMA expects less hazard damage per building in Woodlawn than in 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Woodlawn gets an A+ for hazard risk: lower expected damage per building than 98% of U.S. towns. Most of that expected damage is river and rain flooding (78%). Flood insurance has paid 2 claims here since 2013.
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 Woodlawn 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
Tornadoes
Earthquakes
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 Woodlawn’s grade
River and rain flooding is 78% of the building damage FEMA expects in Woodlawn, and Woodlawn’s rate of river and rain flooding damage is lower than 88% of U.S. census tracts. Next is tornadoes at 5% (lower than 56% of U.S. census tracts).
A+ lower expected damage per building than 98% of U.S. towns (21,298).
Woodlawn’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $629K a year in losses across Woodlawn: $240K to buildings, the rest to people and crops.
Does Woodlawn flood? Rarely: 2 flood claims since 2013
Every paid claim on a federal flood insurance policy in Woodlawn, from FEMA’s records: 2.1 per 1,000 homes, fewer than 61% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Eta1 claim · $6K
Woodlawn isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Carroll County.1 federal disaster brought FEMA money to Woodlawn
Disasters that paid out in Woodlawn itself (aid to households or repair grants to Woodlawn), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene85 households applied for aid$112K aid approved
Carroll County has had 14 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Woodlawn after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Woodlawn archive →Woodlawn and its neighbors
Woodlawn has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Woodlawn | A+less damage than 98% | river and rain flooding | 2 |
| Hillsville | Aless damage than 94% | river and rain flooding | — |
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 Woodlawn 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Woodlawn
Is Woodlawn at risk for natural disasters?
On FEMA’s National Risk Index, Woodlawn has lower expected damage per building than 98% of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (78%) and tornadoes (5%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Woodlawn flood?
Flood insurance has paid 2 claims in Woodlawn since 2013, $12K in all, or 2.1 per 1,000 homes, fewer than 61% of U.S. towns with a flood insurance record. The most claims came from Hurricane Eta (1).
Is Woodlawn 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 Carroll County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Woodlawn?
FEMA’s Community Rating System list shows no discount for Woodlawn’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 Woodlawn?
By FEMA money that reached Woodlawn, Tropical Storm Helene (2024): 85 households applied for aid, $112K approved. By flood claims, Hurricane Eta: 1 paid, $6K.
Is Woodlawn at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Woodlawn’s rate for it is lower than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Woodlawn.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Woodlawn’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.