Photo: Magnolia677 · CC BY-SA 4.0Storms, floods and disasters in Smithers
Smithers isn’t graded for hazard risk: Smithers has 712 residents; we grade towns of 1,000 or more. Flood insurance has paid 7 claims here since 1991.
What Smithers 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.
Does Smithers flood? Rarely: 7 flood claims since 1991
Every paid claim on a federal flood insurance policy in Smithers, from FEMA’s records.
- The West Virginia Flooding4 claims · $281K
Smithers 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.4 federal disasters brought FEMA money to Smithers
Disasters that paid out in Smithers itself (aid to households or repair grants to the City of Smithers), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides5 households applied for aid$7K aid approved
- 2022Severe Storms, Flooding, Landslides, and Mudslides$164K to the City of Smithers for repairs5 flood claims paid that year
- 2016Severe Storms, Flooding, Landslides, and Mudslides4 households applied for aid$700 aid approved
- 2001Severe Storms, Flooding and Landslides$75K to the City of Smithers for repairs
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.
Old photos of Smithers after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Smithers archive →Smithers and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Montgomery | D−among the highest damage | river and rain flooding | 1 |
| Boomer | — | 250 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 Smithers 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 Smithers
Does Smithers flood?
Flood insurance has paid 7 claims in Smithers since 1991, $407K in all. The most claims came from West Virginia Flooding (4).
Is Smithers 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 Smithers?
FEMA’s Community Rating System list shows no discount for Smithers’ 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 Smithers?
By FEMA money that reached Smithers, Severe Storms, Flooding, Landslides, and Mudslides (2022): $164K to the City of Smithers for repairs. By flood claims, West Virginia Flooding: 4 paid, $281K.
Storm stories
Memories, warnings and help from neighbors in Smithers.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Smithers’ 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.