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A−Hazard risk
Natural hazards in Prosperity · FEMA

FEMA expects less hazard damage per building in Prosperity than in 83% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Prosperity gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (89%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 89%Strong wind 3%Earthquakes 2%

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

less than 83%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in West Virginia · lower than 83% of U.S. towns
Main hazard
River and rain flooding
89% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 23 declared for Raleigh County
By hazard

What Prosperity 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

89%of expected building damage
About average · lower than 55% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Strong wind Earthquakes Wildfire Hail Ice storms Cold waves top 1% Hurricanes Tornadoes Winter storms Lightning Heat waves Landslides
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.
Hazard risk grade

What’s behind Prosperity’s grade

River and rain flooding is 89% of the building damage FEMA expects in Prosperity, and Prosperity’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts.

Where Prosperity sits
Prosperity
Least damageMiddleMost damage

A− lower expected damage per building than 83% of U.S. towns (21,298).

All of Prosperity’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding89%Strong wind3%Everything else8%

In dollars, FEMA expects about $290K a year in losses across Prosperity: $236K to buildings, the rest to people and crops.

Shared tract.All of Prosperity’s 1,345 residents (2020 census) live in one census tract, which it shares with Bradley CDP (1,928 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Prosperity flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Prosperity. 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

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

Insurance rates: Raleigh County.
Disasters

3 federal disasters brought FEMA money to Prosperity

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

  1. 2004Severe Storms, Flooding, and Landslides3 households applied for aid$1K aid approved
  2. 2003Severe Storms, Flooding, and Landslides4 households applied for aid$478 aid approved
  3. 2003Severe Winter Storm, Record/near Record Snow, Heavy Rains, Flooding and Landslides1 households applied for aid$269 aid approved
Disasters declared, by decade
Paid out in ProsperityRaleigh County only

Raleigh County has had 23 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 Raleigh County, 2001–2001.

Were you here?

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

Add to the Prosperity archive →
Be ready

Get ready for what Prosperity 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 Prosperity

Is Prosperity at risk for natural disasters?

On FEMA’s National Risk Index, Prosperity has lower expected damage per building than 83% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (89%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Prosperity 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 Raleigh County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Prosperity?

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

By FEMA money that reached Prosperity, Severe Storms, Flooding, and Landslides (2004): 3 households applied for aid, $1K approved.

Is Prosperity at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (89%), and Prosperity’s rate for it is lower than 55% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Prosperity.

Town Square →
Start the conversation

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