Charles Foote House · Photo: Jeff the quiet · CC0On FEMA’s figures, Pine Valley faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Pine Valley gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns. Most of that expected damage is river and rain flooding (85%). 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 Pine Valley 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
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 Pine Valley’s grade
River and rain flooding is 85% of the building damage FEMA expects in Pine Valley, and Pine Valley’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Next is tornadoes at 8% (higher than 74% of U.S. census tracts).
B− higher expected damage per building than 54% of U.S. towns (21,298).
Pine Valley’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $748K a year in losses across Pine Valley: $477K to buildings, the rest to people and crops.
Does Pine Valley flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Pine Valley. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Pine Valley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clark County.3 federal disasters brought FEMA money to Pine Valley
Disasters that paid out in Pine Valley itself (aid to households or repair grants to the Town of Pine Valley), newest first, with that year’s flood claims.
- 2016Severe Storms, Flooding, and Mudslides$72K to the Town of Pine Valley for repairs
- 2010Severe Storms and Flooding$21K to the Town of Pine Valley for repairs
- 2004Severe Storms and Flooding$31K to the Town of Pine Valley for repairs
Clark County has had 12 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 Pine Valley after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pine Valley archive →Pine Valley and its neighbors
Pine Valley has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
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 Pine Valley 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.
- 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 Pine Valley
Is Pine Valley at risk for natural disasters?
On FEMA’s National Risk Index, Pine Valley has higher expected damage per building than 54% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (85%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Pine Valley 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 Clark County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Pine Valley?
FEMA’s Community Rating System list shows no discount for Pine Valley’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 Pine Valley?
By FEMA money that reached Pine Valley, Severe Storms, Flooding, and Mudslides (2016): $72K to the Town of Pine Valley for repairs.
Is Pine Valley at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Pine Valley’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pine Valley.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pine Valley’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.