Penney, J. C., Historic District · Photo: Bernd00 · CC BY-SA 3.0On FEMA’s figures, Kemmerer 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, Kemmerer gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (93%). 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 Kemmerer 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 Kemmerer’s grade
River and rain flooding is 93% of the building damage FEMA expects in Kemmerer, and Kemmerer’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts.
B− lower expected damage per building than 53% of U.S. towns (21,298).
Kemmerer’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $885K a year in losses across Kemmerer: $699K to buildings, the rest to people and crops.
Does Kemmerer flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Kemmerer. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Kemmerer isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lincoln County.The storms Kemmerer remembers
None of the 2 disasters declared for Lincoln County shows FEMA aid or repair money reaching Kemmerer itself in FEMA’s records, so these are its biggest flood-claim years.
Lincoln County has had 2 natural disasters declared by the President since 1953, most often severe storms.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Lincoln County, 2002–2002.
Kemmerer and its neighbors
Kemmerer has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Kemmerer | B−less damage than 53% | river and rain flooding | 0 |
| Diamondville | — | 665 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 Kemmerer 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 Kemmerer
Is Kemmerer at risk for natural disasters?
On FEMA’s National Risk Index, Kemmerer has lower expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Kemmerer 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 Lincoln County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Kemmerer?
FEMA’s Community Rating System list shows no discount for Kemmerer’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Kemmerer at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Kemmerer’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kemmerer.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kemmerer’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.