Photo: HMS · CC BY-SA 3.0On FEMA’s figures, Sutton-Alpine faces more hazard damage per building than 86% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Sutton-Alpine gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns. Most of that expected damage is earthquakes (81%), then river and rain flooding (11%). 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 Sutton-Alpine faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
River and rain flooding
Wildfire
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 Sutton-Alpine’s grade
Earthquakes are 81% of the building damage FEMA expects in Sutton-Alpine, and Sutton-Alpine’s rate of earthquakes damage is in the top 4% of U.S. census tracts. Wildfire adds 5%, at a rate in the top 5% of U.S. census tracts.
D higher expected damage per building than 86% of U.S. towns (21,298).
All of Sutton-Alpine’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $10.6M a year in losses across Sutton-Alpine: $1.1M to buildings, the rest to people and crops.
Does Sutton-Alpine flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Sutton-Alpine. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Sutton-Alpine isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Matanuska-Susitna Borough.The storms Sutton-Alpine remembers
None of the 14 disasters declared for Matanuska-Susitna Borough shows FEMA aid or repair money reaching Sutton-Alpine itself in FEMA’s records, so these are its biggest flood-claim years.
Matanuska-Susitna Borough has had 14 natural disasters declared by the President since 1953, most often severe storms, then floods.
Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Matanuska-Susitna Borough, 2015–2019.
Sutton-Alpine and its neighbors
Sutton-Alpine 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 |
|---|---|---|---|
| Sutton-Alpine | Dmore damage than 86% | earthquakes | 0 |
| Chickaloon | — | 333 residents; we grade 1,000+ | |
| Buffalo Soapstone | — | 739 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 Sutton-Alpine faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Sutton-Alpine
Is Sutton-Alpine at risk for natural disasters?
On FEMA’s National Risk Index, Sutton-Alpine has higher expected damage per building than 86% of U.S. towns: D for hazard risk. Most of the expected damage is earthquakes (81%) and river and rain flooding (11%). 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 Sutton-Alpine 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 Matanuska-Susitna Borough, 23% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Sutton-Alpine?
FEMA’s Community Rating System list shows no discount for Sutton-Alpine’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Sutton-Alpine at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (81%), and Sutton-Alpine’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sutton-Alpine.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sutton-Alpine’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.