Photo: Acroterion · CC BY-SA 4.0On FEMA’s figures, Shepherdstown faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Shepherdstown gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (90%). 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 Shepherdstown 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 Shepherdstown’s grade
River and rain flooding is 90% of the building damage FEMA expects in Shepherdstown, and Shepherdstown’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts.
C+ higher expected damage per building than 58% of U.S. towns (21,298).
Shepherdstown’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $569K a year in losses across Shepherdstown: $478K to buildings, the rest to people and crops.
Does Shepherdstown flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Shepherdstown. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Shepherdstown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jefferson County.4 federal disasters brought FEMA money to Shepherdstown
Disasters that paid out in Shepherdstown itself (aid to households or repair grants to the Town of Shepherdstown), newest first, with that year’s flood claims.
- 2010Severe Winter Storms and Snowstorms$11K to the Town of Shepherdstown for repairs
- 2009Severe Winter Storm and Snowstorm$6K to the Town of Shepherdstown for repairs
- 2003Hurricane Isabel$4K to the Town of Shepherdstown for repairs
- 2003Severe Winter Storm, Record/near Record Snow, Heavy Rains, Flooding and Landslides$8K to the Town of Shepherdstown for repairs
Jefferson County has had 15 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Shepherdstown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Shepherdstown archive →Get ready for what Shepherdstown 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 Shepherdstown
Is Shepherdstown at risk for natural disasters?
On FEMA’s National Risk Index, Shepherdstown has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (90%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Shepherdstown 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 Jefferson County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Shepherdstown?
FEMA’s Community Rating System list shows no discount for Shepherdstown’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 Shepherdstown?
By FEMA money that reached Shepherdstown, Severe Winter Storms and Snowstorms (2010): $11K to the Town of Shepherdstown for repairs.
Is Shepherdstown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Shepherdstown’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Shepherdstown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Shepherdstown’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.