Photo: Magnolia677 · CC BY 4.0Storms, floods and disasters in Cedar Grove
Cedar Grove isn’t graded for hazard risk: Cedar Grove has 489 residents; we grade towns of 1,000 or more. Flood insurance has paid 5 claims here since 1991.
What Cedar Grove 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 Cedar Grove flood? Rarely: 5 flood claims since 1991
Every paid claim on a federal flood insurance policy in Cedar Grove, from FEMA’s records.
- The West Virginia Flooding3 claims · $76K
Cedar Grove isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kanawha County.3 federal disasters brought FEMA money to Cedar Grove
Disasters that paid out in Cedar Grove itself (aid to households or repair grants to the Town of Cedar Grove), newest first, with that year’s flood claims.
- 2023Severe Storms, Flooding, Landslides, and Mudslides10 households applied for aid$19K aid approved$27K to the Town of Cedar Grove for repairs
- 2012Severe Storms and Straight-line Winds6 households applied for aid$6K aid approved
- 2003Severe Storms, Flooding, and Landslides5 households applied for aid$15K aid approved1 flood claim paid that year
Kanawha County has had 26 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Kanawha County, 2001–2001.
Old photos of Cedar Grove after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cedar Grove archive →Cedar Grove and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Glasgow | — | 878 residents; we grade 1,000+ | |
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 Cedar Grove 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 Cedar Grove
Does Cedar Grove flood?
Flood insurance has paid 5 claims in Cedar Grove since 1991, $79K in all. The most claims came from West Virginia Flooding (3).
Is Cedar Grove 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 Kanawha County, 10% of homes in mapped flood zones carry federal flood insurance, and 1.5% of all homes do.
How much is flood insurance in Cedar Grove?
FEMA’s Community Rating System list shows no discount for Cedar Grove’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 Cedar Grove?
By FEMA money that reached Cedar Grove, Severe Storms, Flooding, Landslides, and Mudslides (2023): 10 households applied for aid, $19K approved, and $27K to the Town of Cedar Grove for repairs. By flood claims, West Virginia Flooding: 3 paid, $76K.
Storm stories
Memories, warnings and help from neighbors in Cedar Grove.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cedar Grove’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.