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Harts Baptist ChurchPhoto: Nyttend · Public domain
–Not graded
Natural hazards in Harts · FEMA

Storms, floods and disasters in Harts

Harts isn’t graded for hazard risk: Harts has 747 residents; we grade towns of 1,000 or more. Flood insurance has paid 9 claims here since 1979.

Flood claims
9
paid since 1979 · $114K
Disasters paid out here
11
of 32 declared for Lincoln County
By hazard

What Harts 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

97%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Wildfire Strong wind Earthquakes Hurricanes Hail Tornadoes Winter storms Ice storms Cold waves Heat waves Landslides top 4% Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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 Harts flood? Rarely: 9 flood claims since 1979

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

Paid flood claims, by year
1979: 2 claims1980: 0 claims1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 1 claim2004: 1 claim2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 4 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims197920032015
19792026
Biggest named events
  • Tropical Storm Ivan1 claim · $25K
9
paid claims since 1979
$114K
paid to owners
0
homes flooded more than once
$13K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Lincoln County.
Disasters

11 federal disasters brought FEMA money to Harts

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

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides3 households applied for aid$6K aid approved
  2. 2016Severe Storms, Flooding, Landslides, and Mudslides16 households applied for aid$22K aid approved
  3. 2012Severe Storms and Straight-line Winds4 households applied for aid$2K aid approved
  4. 2012Severe Storms, Flooding, Mudslides, and Lanslides17 households applied for aid$9K aid approved
  5. 2012Severe Storms, Tornadoes, Flooding, Mudslides, and Landslides15 households applied for aid$82K aid approved
  6. 2004Severe Storms, Flooding, and Landslides110 households applied for aid$232K aid approved
Show all 11
  1. 2004Severe Storms, Flooding, and Landslides125 households applied for aid$347K aid approved
  2. 2004Severe Storms, Flooding, and Landslides32 households applied for aid$72K aid approved
  3. 2003Severe Storms, Flooding, and Landslides45 households applied for aid$94K aid approved
  4. 2003Severe Storms, Flooding, and Landslides83 households applied for aid$122K aid approved
  5. 2003Severe Winter Storm, Record/near Record Snow, Heavy Rains, Flooding and Landslides53 households applied for aid$124K aid approved
Disasters declared, by decade
Paid out in HartsLincoln County only

Lincoln County has had 32 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 Lincoln County, 2001–2001.

Were you here?

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

Add to the Harts archive →
Be ready

Get ready for what Harts 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 ↗
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 Harts

Does Harts flood?

Flood insurance has paid 9 claims in Harts since 1979, $114K in all. The most claims came from Tropical Storm Ivan (1).

Is Harts 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 Lincoln County, 3% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.

How much is flood insurance in Harts?

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

By FEMA money that reached Harts, Severe Storms, Flooding, and Landslides (2004): 125 households applied for aid, $347K approved. By flood claims, Tropical Storm Ivan: 1 paid, $25K.

Storm stories

Memories, warnings and help from neighbors in Harts.

Town Square →
Start the conversation

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