Photo: Praiawart · CC BY 4.0FEMA puts Pardeeville’s expected hazard damage per building above that of 86% of U.S. towns, mostly from hail
On FEMA’s National Risk Index, Pardeeville gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns. Most of that expected damage is hail (53%), then river and rain flooding (41%). FEMA’s files show no paid flood insurance claims here.
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 Pardeeville faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hail
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.
What’s behind Pardeeville’s grade
Hail is 53% of the building damage FEMA expects in Pardeeville, and Pardeeville’s rate of hail damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 41% (higher than 62% of U.S. census tracts).
D higher expected damage per building than 86% of U.S. towns (21,298).
All of Pardeeville’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.4M a year in losses across Pardeeville: $1.0M to buildings, the rest to people and crops.
Does Pardeeville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Pardeeville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Pardeeville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Columbia County.4 federal disasters brought FEMA money to Pardeeville
Disasters that paid out in Pardeeville itself (aid to households or repair grants to the Village of Pardeeville), newest first, with that year’s flood claims.
- 2008Severe Storms, Tornadoes, and Flooding273 households applied for aid$374K aid approved$219K to the Village of Pardeeville for repairs
- 2007Severe Storms and Flooding4 households applied for aid$3K aid approved
- 2004Severe Storms and Flooding22 households applied for aid$29K aid approved$14K to the Village of Pardeeville for repairs
- 2000Snow$1K to the Village of Pardeeville for repairs
Columbia County has had 8 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Pardeeville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pardeeville archive →Get ready for what Pardeeville faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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 Pardeeville
Is Pardeeville at risk for natural disasters?
On FEMA’s National Risk Index, Pardeeville has higher expected damage per building than 86% of U.S. towns: D for hazard risk. Most of the expected damage is hail (53%) and river and rain flooding (41%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Pardeeville 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 Columbia County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Pardeeville?
FEMA’s Community Rating System list shows no discount for Pardeeville’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 Pardeeville?
By FEMA money that reached Pardeeville, Severe Storms, Tornadoes, and Flooding (2008): 273 households applied for aid, $374K approved, and $219K to the Village of Pardeeville for repairs.
Is Pardeeville at risk from hail?
It is the largest share of the building damage FEMA expects here (53%), and Pardeeville’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pardeeville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pardeeville’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.