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–Not graded
Natural hazards in Stoddard · FEMA

Storms, floods and disasters in Stoddard

Stoddard isn’t graded for hazard risk: Stoddard has 823 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2001.

Flood claims
1
paid since 2001 · $4K
Disasters paid out here
5
of 20 declared for Vernon County
By hazard

What Stoddard 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

85%of expected building damage
Well above average · higher than 87% of U.S. census tracts
Recorded about 3 times a year in the area

Tornadoes

7%of expected building damage
Well above average · higher than 81% of U.S. census tracts
Recorded about once every 15 years in the area

Hail

6%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Strong wind Landslides top 2% Lightning Winter storms Hurricanes Earthquakes Wildfire Ice storms Cold waves Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 32% of Stoddard’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Stoddard flood? Rarely: 1 flood claim since 2001

Every paid claim on a federal flood insurance policy in Stoddard, from FEMA’s records.

Paid flood claims, by year
2001: 1 claim2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2001
20012026
1
paid claims since 2001
$4K
paid to owners
0
homes flooded more than once
$4K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Stoddard isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Vernon County.
What’s been done with FEMA grants
3flood-prone properties bought out and cleared
Disasters

5 federal disasters brought FEMA money to Stoddard

Disasters that paid out in Stoddard itself (aid to households or repair grants to the Village of Stoddard), newest first, with that year’s flood claims.

  1. 2026Severe Storms, Tornadoes, and Flooding1 households applied for aid$1K aid approved
  2. 2018Severe Storms, Tornadoes, Straight-line Winds, Flooding, and Landslides19 households applied for aid$41K aid approved
  3. 2008Severe Storms, Tornadoes, and Flooding29 households applied for aid$45K aid approved$7K to the Village of Stoddard for repairs
  4. 2007Severe Storms and Flooding194 households applied for aid$577K aid approved$21K to the Village of Stoddard for repairs
  5. 2004Severe Storms and Flooding1 households applied for aid$278 aid approved
Disasters declared, by decade
Paid out in StoddardVernon County only

Vernon County has had 20 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.

Were you here?

Old photos of Stoddard after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Stoddard archive →
Be ready

Get ready for what Stoddard faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Stoddard

Does Stoddard flood?

Flood insurance has paid 1 claim in Stoddard since 2001, $4K in all.

Is Stoddard 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 Vernon County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Stoddard?

FEMA’s Community Rating System list shows no discount for Stoddard’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 Stoddard?

By FEMA money that reached Stoddard, Severe Storms and Flooding (2007): 194 households applied for aid, $577K approved, and $21K to the Village of Stoddard for repairs.

Storm stories

Memories, warnings and help from neighbors in Stoddard.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stoddard’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.