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–Not graded
Natural hazards in Pax · FEMA

Storms, floods and disasters in Pax

Pax isn’t graded for hazard risk: Pax has 83 residents; we grade towns of 1,000 or more. Flood insurance has paid 20 claims here since 1990.

Flood claims
20
paid since 1990 · $204K
Flooded more than once
4
properties
Disasters paid out here
6
of 20 declared for Fayette County
By hazard

What Pax 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

98%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
 Strong wind Wildfire Hail Earthquakes Winter storms Ice storms Hurricanes Tornadoes Landslides top 3% Cold waves Heat waves Lightning Avalanches top 1%
FEMA models no building damage here
Coastal floodingTsunamisVolcanic 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 Pax flood? Sometimes: 20 flood claims since 1990

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

Paid flood claims, by year
1990: 1 claim1991: 1 claim1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 7 claims2002: 0 claims2003: 5 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 6 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims200120032010
19902026
Biggest named events
  • The Heavy rains2 claims · $2K
20
paid claims since 1990
$204K
paid to owners
4
homes flooded more than once
$10K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Fayette County.
What’s been done with FEMA grants
2flood-prone properties bought out and cleared
Disasters

6 federal disasters brought FEMA money to Pax

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

  1. 2012Severe Storms and Straight-line Winds16 households applied for aid$24K aid approved
  2. 2010Severe Storms, Flooding, Mudslides, and Landslides28 households applied for aid$93K aid approved6 flood claims paid that year
  3. 2004Severe Storms, Flooding, and Landslides1 households applied for aid$3K aid approved
  4. 2004Severe Storms, Flooding, and Landslides12 households applied for aid$12K aid approved
  5. 2003Severe Storms, Flooding, and Landslides19 households applied for aid$60K aid approved5 flood claims paid that year
  6. 2001Severe Storms, Flooding and Landslides$11K to the Town of Pax for repairs7 flood claims paid that year
Disasters declared, by decade
Paid out in PaxFayette County only

Fayette County has had 20 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.

Were you here?

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

Add to the Pax archive →
Be ready

Get ready for what Pax 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 Pax

Does Pax flood?

Flood insurance has paid 20 claims in Pax since 1990, $204K in all. 4 properties have flooded more than once. The most claims came from Heavy rains (2).

Is Pax 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 Fayette County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Pax?

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

By FEMA money that reached Pax, Severe Storms, Flooding, Mudslides, and Landslides (2010): 28 households applied for aid, $93K approved. By flood claims, Heavy rains: 2 paid, $2K.

Storm stories

Memories, warnings and help from neighbors in Pax.

Town Square →
Start the conversation

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