John C. Reeves House · Photo: Nyttend · Public domainOn FEMA’s figures, Hooverson Heights faces more hazard damage per building than 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hooverson Heights gets a C for hazard risk: higher expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (94%). FEMA’s files show no paid flood insurance claims here.
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 Hooverson Heights 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 Hooverson Heights’ grade
River and rain flooding is 94% of the building damage FEMA expects in Hooverson Heights, and Hooverson Heights’ rate of river and rain flooding damage is higher than 88% of U.S. census tracts.
C higher expected damage per building than 75% of U.S. towns (21,298).
Hooverson Heights’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.1M a year in losses across Hooverson Heights: $1.0M to buildings, the rest to people and crops.
Does Hooverson Heights flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hooverson Heights. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hooverson Heights isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Brooke County.The storms Hooverson Heights remembers
None of the 14 disasters declared for Brooke County shows FEMA aid or repair money reaching Hooverson Heights itself in FEMA’s records, so these are its biggest flood-claim years.
Brooke County has had 14 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.
Hooverson Heights and its neighbors
Hooverson Heights is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Follansbee | Cmore damage than 70% | river and rain flooding | 17 |
| Hooverson Heights | Cmore damage than 75% | river and rain flooding | 0 |
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 Hooverson Heights 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 Hooverson Heights
Is Hooverson Heights at risk for natural disasters?
On FEMA’s National Risk Index, Hooverson Heights has higher expected damage per building than 75% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (94%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Hooverson Heights 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 Brooke County, 12% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Hooverson Heights?
FEMA’s Community Rating System list shows no discount for Hooverson Heights’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Hooverson Heights at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Hooverson Heights’ rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hooverson Heights.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hooverson Heights’ 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.