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Bank of Matoaka WVPhoto: Coal town guy · CC BY-SA 4.0
–Not graded
Natural hazards in Matoaka · FEMA

Storms, floods and disasters in Matoaka

Matoaka isn’t graded for hazard risk: Matoaka has 30 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
8
of 22 declared for Mercer County
By hazard

What Matoaka 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

94%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Earthquakes Wildfire Strong wind Tornadoes Hail Hurricanes Winter storms Lightning Ice storms Cold waves Heat waves Landslides Avalanches top 1%
FEMA models no building damage here
Coastal floodingTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 13% of Matoaka’s expected losses. Cold waves do little damage to buildings (0.1%), so they aren’t part of the grade.

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 Matoaka flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Matoaka. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Mercer County.
What’s been done with FEMA grants
15flood-prone properties bought out and cleared
Disasters

8 federal disasters brought FEMA money to Matoaka

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

  1. 2025Severe Storm, Straight-line Winds, Flooding, Landslides, and Mudslides51 households applied for aid$337K aid approved
  2. 2024Post-tropical Storm Helene15 households applied for aid$123K aid approved
  3. 2012Severe Storms and Straight-line Winds14 households applied for aid$16K aid approved
  4. 2010Severe Storms, Flooding, Mudslides, and Landslides55 households applied for aid$134K aid approved
  5. 2009Severe Storms, Flooding, Mudslides, and Landslides12 households applied for aid$18K aid approved
  6. 2004Severe Storms, Flooding, and Landslides12 households applied for aid$26K aid approved
Show all 8
  1. 2003Severe Storms, Flooding, and Landslides37 households applied for aid$60K aid approved
  2. 2003Severe Winter Storm, Record/near Record Snow, Heavy Rains, Flooding and Landslides16 households applied for aid$38K aid approved
Disasters declared, by decade
Paid out in MatoakaMercer County only

Mercer County has had 22 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.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Mercer County, 2001–2001.

Were you here?

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

Add to the Matoaka archive →
Be ready

Get ready for what Matoaka 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 Matoaka

Is Matoaka 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 Mercer County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.

How much is flood insurance in Matoaka?

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

By FEMA money that reached Matoaka, Severe Storm, Straight-line Winds, Flooding, Landslides, and Mudslides (2025): 51 households applied for aid, $337K approved.

Storm stories

Memories, warnings and help from neighbors in Matoaka.

Town Square →
Start the conversation

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