Photo: Brian Stansberry · CC BY 4.0More hazard damage per building is expected in Logan than in 97% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Logan gets a D− for hazard risk: higher expected damage per building than 97% of U.S. towns. Most of that expected damage is river and rain flooding (98%). Flood insurance has paid 39 claims here since 1978.
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 stands out about Logan’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Logan 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 Logan’s grade
River and rain flooding is 98% of the building damage FEMA expects in Logan, and Logan’s rate of river and rain flooding damage is in the top 1% of U.S. census tracts.
D− higher expected damage per building than 97% of U.S. towns (21,298).
Logan’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $2.0M a year in losses across Logan: $1.8M to buildings, the rest to people and crops.
Does Logan flood? Sometimes: 39 flood claims since 1978
Every paid claim on a federal flood insurance policy in Logan, from FEMA’s records: 51.5 per 1,000 homes, more than 93% of the 13,809 U.S. towns with a flood insurance record.
- The April 2007 nor’easter3 claims · $8K
- The February West Virginia Flooding2 claims · $53K
Logan isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Logan County.10 federal disasters brought FEMA money to Logan
Disasters that paid out in Logan itself (aid to households or repair grants to the City of Logan), newest first, with that year’s flood claims.
- 2025Severe Storm, Straight-line Winds, Flooding, Landslides, and Mudslides168 households applied for aid$939K aid approved$104K to the City of Logan for repairs2 flood claims paid that year
- 2015Severe Winter Storm, Flooding, Landslides, and Mudslides$40K to the City of Logan for repairs
- 2012Severe Storms, Flooding, Mudslides, and Lanslides127 households applied for aid$304K aid approved$1.6M to the City of Logan for repairs
- 2010Severe Storms, Flooding, Mudslides, and Landslides40 households applied for aid$66K aid approved
- 2009Severe Storms, Flooding, Mudslides, and Landslides1 households applied for aid$622 aid approved
- 2004Severe Storms, Flooding, and Landslides2 households applied for aid$2K aid approved
Show all 10
- 2004Severe Storms, Flooding, and Landslides128 households applied for aid$305K aid approved$8K to the City of Logan for repairs
- 2003Severe Storms, Flooding, and Landslides3 households applied for aid$2K aid approved
- 2003Severe Storms, Flooding, and Landslides12 households applied for aid$5K aid approved
- 2003Severe Winter Storm, Record/near Record Snow, Heavy Rains, Flooding and Landslides2 households applied for aid$4K aid approved
Logan County has had 30 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 Logan County, 2001–2001.
Old photos of Logan after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Logan archive →Logan and its neighbors
Logan 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 |
|---|---|---|---|
| Mount Gay-Shamrock | D−more damage than 96% | river and rain flooding | — |
| Logan | D−more damage than 97% | river and rain flooding | 39 |
| Stollings | — | 505 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 Logan 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 Logan
Is Logan at risk for natural disasters?
On FEMA’s National Risk Index, Logan has higher expected damage per building than 97% of U.S. towns: D− for hazard risk. Most of the expected damage is river and rain flooding (98%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Logan flood?
Flood insurance has paid 39 claims in Logan since 1978, $211K in all, or 51.5 per 1,000 homes, more than 93% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from April 2007 Nor'easter (3).
Is Logan 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 Logan County, 8% of homes in mapped flood zones carry federal flood insurance, and 2.4% of all homes do.
How much is flood insurance in Logan?
FEMA’s Community Rating System list shows no discount for Logan’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 Logan?
By FEMA money that reached Logan, Severe Storms, Flooding, Mudslides, and Lanslides (2012): 127 households applied for aid, $304K approved, and $1.6M to the City of Logan for repairs. By flood claims, April 2007 Nor'easter: 3 paid, $8K.
Is Logan at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (98%), and Logan’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Logan.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Logan’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.