Photo: Jack Corn · Public domainStorms, floods and disasters in Chattaroy
Chattaroy isn’t graded for hazard risk: Chattaroy has 467 residents; we grade towns of 1,000 or more.
What Chattaroy 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 Chattaroy flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Chattaroy. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Chattaroy isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mingo County.8 federal disasters brought FEMA money to Chattaroy
Disasters that paid out in Chattaroy itself (aid to households or repair grants to Chattaroy), newest first, with that year’s flood claims.
- 2025Severe Storm, Straight-line Winds, Flooding, Landslides, and Mudslides7 households applied for aid$69K aid approved
- 2012Severe Storms and Straight-line Winds1 households applied for aid$5K aid approved
- 2010Severe Storms, Flooding, Mudslides, and Landslides1 households applied for aid$4K aid approved
- 2009Severe Storms, Flooding, Mudslides, and Landslides8 households applied for aid$13K aid approved
- 2004Severe Storms, Flooding, and Landslides9 households applied for aid$18K aid approved
- 2004Severe Storms, Flooding, and Landslides10 households applied for aid$35K aid approved
Show all 8
- 2004Severe Storms, Flooding, and Landslides104 households applied for aid$209K aid approved
- 2003Severe Winter Storm, Record/near Record Snow, Heavy Rains, Flooding and Landslides6 households applied for aid$14K aid approved
Mingo County has had 31 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 Mingo County, 2001–2001.
Old photos of Chattaroy after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Chattaroy archive →Chattaroy 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 |
|---|---|---|---|
| Williamson | D−more damage than 96% | river and rain flooding | 465 |
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 Chattaroy 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 Chattaroy
Is Chattaroy 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 Mingo County, 17% of homes in mapped flood zones carry federal flood insurance, and 3.9% of all homes do.
How much is flood insurance in Chattaroy?
FEMA’s Community Rating System list shows no discount for Chattaroy’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 Chattaroy?
By FEMA money that reached Chattaroy, Severe Storms, Flooding, and Landslides (2004): 104 households applied for aid, $209K approved.
Storm stories
Memories, warnings and help from neighbors in Chattaroy.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Chattaroy’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.