Photo: JERRYE & ROY KLOTZ M.D. · CC BY-SA 4.0On FEMA’s figures, Bridgeport 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, Bridgeport gets a B− for hazard risk: higher expected damage per building than 55% of U.S. towns, #18 of 61 in West Virginia. Most of that expected damage is river and rain flooding (91%). Flood insurance has paid 22 claims here since 1978.
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 stands out about Bridgeport’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Bridgeport 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
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 Bridgeport’s grade
River and rain flooding is 91% of the building damage FEMA expects in Bridgeport, and Bridgeport’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts.
B− #18 of 61 in West Virginia; higher expected damage per building than 55% of U.S. towns (21,298).
Bridgeport’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
The typical West Virginia town has higher expected damage than 73% of U.S. towns; within the state, Bridgeport has less expected damage per building than 72% of West Virginia towns.
In dollars, FEMA expects about $3.1M a year in losses across Bridgeport: $2.8M to buildings, the rest to people and crops.
Does Bridgeport flood? Sometimes: 22 flood claims since 1978
Every paid claim on a federal flood insurance policy in Bridgeport, from FEMA’s records: 5.0 per 1,000 homes, more than 60% of the 13,809 U.S. towns with a flood insurance record.
Bridgeport isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Harrison County.7 federal disasters brought FEMA money to Bridgeport
Disasters that paid out in Bridgeport itself (aid to households or repair grants to the City of Bridgeport), newest first, with that year’s flood claims.
- 2023Severe Storms, Flooding, Landslides, and Mudslides101 households applied for aid$380K aid approved$850K to the City of Bridgeport for repairs1 flood claim paid that year
- 2015Severe Winter Storm, Flooding, Landslides, and Mudslides$65K to the City of Bridgeport for repairs
- 2012Severe Storms and Straight-line Winds1 households applied for aid$31K to the City of Bridgeport for repairs
- 2008Severe Storms, Tornadoes, Flooding, Mudslides, and52 households applied for aid$164K aid approved5 flood claims paid that year
- 2003Severe Storms, Flooding, and Landslides17 households applied for aid$46K aid approved$54K to the City of Bridgeport for repairs
- 2003Severe Storms, Flooding, and Landslides8 households applied for aid$6K aid approved
Show all 7
- 2003Severe Winter Storm, Record/near Record Snow, Heavy Rains, Flooding and Landslides6 households applied for aid$1K aid approved$6K to the City of Bridgeport for repairs
Harrison 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.
Old photos of Bridgeport after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bridgeport archive →Bridgeport and its neighbors
Bridgeport 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 |
|---|---|---|---|
| Bridgeport | B−more damage than 55% | river and rain flooding | 22 |
| Clarksburg | C−more damage than 84% | river and rain flooding | 305 |
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 Bridgeport 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.
- 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 Bridgeport
Is Bridgeport at risk for natural disasters?
On FEMA’s National Risk Index, Bridgeport has higher expected damage per building than 55% of U.S. towns: B− for hazard risk, #18 of 61 in West Virginia. Most of the expected damage is river and rain flooding (91%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Bridgeport flood?
Flood insurance has paid 22 claims in Bridgeport since 1978, $170K in all, or 5.0 per 1,000 homes, more than 60% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Bridgeport 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 Harrison County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Bridgeport?
FEMA’s Community Rating System list shows no discount for Bridgeport’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 Bridgeport?
By FEMA money that reached Bridgeport, Severe Storms, Flooding, Landslides, and Mudslides (2023): 101 households applied for aid, $380K approved, and $850K to the City of Bridgeport for repairs.
Is Bridgeport at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (91%), and Bridgeport’s rate for it is higher than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bridgeport.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bridgeport’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.