Storms, floods and disasters in Beaver Brook
Beaver Brook isn’t graded for hazard risk: Beaver Brook has 708 residents; we grade towns of 1,000 or more.
What Beaver Brook 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
Hail
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 Beaver Brook flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Beaver Brook. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Beaver Brook isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Washburn County.1 federal disaster brought FEMA money to Beaver Brook
Disasters that paid out in Beaver Brook itself (aid to households or repair grants to the Town of Beaver Brook), newest first, with that year’s flood claims.
- 2001Flooding, Severe Storms and Tornadoes$9K to the Town of Beaver Brook for repairs
Washburn County has had 7 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Beaver Brook after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Beaver Brook archive →Beaver Brook 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 |
|---|---|---|---|
| Spooner | Aless damage than 93% | river and rain flooding | — |
| Bashaw | Aless damage than 92% | river and rain flooding | 13 |
| Shell Lake | Aless damage than 92% | river and rain flooding | 12 |
| Madge | — | 607 residents; we grade 1,000+ | |
| Sarona | — | 424 residents; we grade 1,000+ | |
| Spooner | — | 722 residents; we grade 1,000+ | |
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 Beaver Brook 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Beaver Brook
Is Beaver Brook 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 Washburn County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Beaver Brook?
FEMA’s Community Rating System list shows no discount for Beaver Brook’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 Beaver Brook?
By FEMA money that reached Beaver Brook, Flooding, Severe Storms and Tornadoes (2001): $9K to the Town of Beaver Brook for repairs.
Storm stories
Memories, warnings and help from neighbors in Beaver Brook.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Beaver Brook’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.