Bank of Cairo · Photo: Mjswisher79 · CC BY-SA 3.0Storms, floods and disasters in Cairo
Cairo isn’t graded for hazard risk: Cairo has 273 residents; we grade towns of 1,000 or more. Flood insurance has paid 15 claims here since 1978.
What Cairo 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.
Does Cairo flood? Sometimes: 15 flood claims since 1978
Every paid claim on a federal flood insurance policy in Cairo, from FEMA’s records.
Cairo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ritchie County.5 federal disasters brought FEMA money to Cairo
Disasters that paid out in Cairo itself (aid to households or repair grants to the Town of Cairo), newest first, with that year’s flood claims.
- 2015Severe Storms, Flooding, Landslides, and Mudslides$9K to the Town of Cairo for repairs
- 2015Severe Winter Storm, Flooding, Landslides, and Mudslides$28K to the Town of Cairo for repairs
- 2012Severe Storms, Tornadoes, Flooding, Mudslides, and Landslides$8K to the Town of Cairo for repairs
- 2003Severe Storms, Flooding, and Landslides1 households applied for aid$5K aid approved
- 2000Flooding, Severe Storms, and Landslides$35K to the Town of Cairo for repairs6 flood claims paid that year
Ritchie County has had 17 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 Cairo after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cairo archive →Get ready for what Cairo 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 Cairo
Does Cairo flood?
Flood insurance has paid 15 claims in Cairo since 1978, $59K in all.
Is Cairo 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 Ritchie County, 3% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Cairo?
FEMA’s Community Rating System list shows no discount for Cairo’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 Cairo?
By FEMA money that reached Cairo, Flooding, Severe Storms, and Landslides (2000): $35K to the Town of Cairo for repairs.
Storm stories
Memories, warnings and help from neighbors in Cairo.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cairo’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.