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A+Hazard risk
Natural hazards in Stanaford · FEMA

FEMA puts Stanaford’s expected hazard damage per building below that of 98% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Stanaford gets an A+ for hazard risk: lower expected damage per building than 98% of U.S. towns. Most of that expected damage is river and rain flooding (84%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 84%Strong wind 4%Earthquakes 4%

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 98%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 98% of U.S. towns
Main hazard
River and rain flooding
84% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 23 declared for Raleigh County
By hazard

What Stanaford 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

84%of expected building damage
Well below average · lower than 85% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Strong wind Earthquakes Hail Cold waves top 1% Ice storms Winter storms Hurricanes Tornadoes Wildfire Lightning Heat waves Landslides 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.
Hazard risk grade

What’s behind Stanaford’s grade

River and rain flooding is 84% of the building damage FEMA expects in Stanaford, and Stanaford’s rate of river and rain flooding damage is lower than 85% of U.S. census tracts. Cold waves add 1%, at a rate in the top 1% of U.S. census tracts.

Where Stanaford sits
Stanaford
Least damageMiddleMost damage

A+ lower expected damage per building than 98% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding84%Strong wind4%Earthquakes4%Everything else7%

In dollars, FEMA expects about $201K a year in losses across Stanaford: $163K to buildings, the rest to people and crops.

Shared tract.All of Stanaford’s 1,215 residents (2020 census) live in one census tract, which it shares with Piney View CDP (902 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 Stanaford flood? No paid flood claims on record

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

Stanaford 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

4 federal disasters brought FEMA money to Stanaford

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

  1. 2010Severe Storms, Flooding, Mudslides, and Landslides1 households applied for aid$1K aid approved
  2. 2004Severe Storms, Flooding, and Landslides1 households applied for aid$2K aid approved
  3. 2003Severe Storms, Flooding, and Landslides2 households applied for aid$4K aid approved
  4. 2003Severe Winter Storm, Record/near Record Snow, Heavy Rains, Flooding and Landslides2 households applied for aid$2K aid approved
Disasters declared, by decade
Paid out in StanafordRaleigh 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 Stanaford after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Stanaford archive →
Next door

Stanaford and its neighbors

Stanaford has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.

Piney View: not gradedPiney ViewStanaford
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
StanafordA+less damage than 98%river and rain flooding0
Piney View—986 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.

Be ready

Get ready for what Stanaford 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 Stanaford

Is Stanaford at risk for natural disasters?

On FEMA’s National Risk Index, Stanaford has lower expected damage per building than 98% of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (84%). 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 Stanaford 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 Stanaford?

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

By FEMA money that reached Stanaford, Severe Storms, Flooding, and Landslides (2003): 2 households applied for aid, $4K approved.

Is Stanaford at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (84%), and Stanaford’s rate for it is lower than 85% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Stanaford.

Town Square →
Start the conversation

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