FEMA expects more hazard damage per building in Frisco City than in 83% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Frisco City gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (46%), then hurricanes (42%). 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 Frisco City 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
Hurricanes
Tornadoes
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 Frisco City’s grade
River and rain flooding is 46% of the building damage FEMA expects in Frisco City, and Frisco City’s rate of river and rain flooding damage is higher than 62% of U.S. census tracts. Hurricanes add 42%, at a rate in the top 8% of U.S. census tracts.
C− higher expected damage per building than 83% of U.S. towns (21,298).
Frisco City’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $591K a year in losses across Frisco City: $409K to buildings, the rest to people and crops.
Does Frisco City flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Frisco City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Frisco City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monroe County.3 federal disasters brought FEMA money to Frisco City
Disasters that paid out in Frisco City itself (aid to households or repair grants to the Town of Frisco City), newest first, with that year’s flood claims.
- 2011Severe Storms, Tornadoes, Straight-line Winds, and Flooding35 households applied for aid$19K aid approved
- 2004Hurricane Ivan887 households applied for aid$1.1M aid approved$11K to the Town of Frisco City for repairs
- 2003Severe Storms, Tornadoes, and Flooding32 households applied for aid$23K aid approved
Monroe County has had 22 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms.
Old photos of Frisco City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Frisco City archive →Get ready for what Frisco City 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Frisco City
Is Frisco City at risk for natural disasters?
On FEMA’s National Risk Index, Frisco City has higher expected damage per building than 83% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (46%) and hurricanes (42%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Frisco City 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 Monroe County, 4% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Frisco City?
FEMA’s Community Rating System list shows no discount for Frisco City’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 Frisco City?
By FEMA money that reached Frisco City, Hurricane Ivan (2004): 887 households applied for aid, $1.1M approved, and $11K to the Town of Frisco City for repairs.
Is Frisco City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (46%), and Frisco City’s rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Frisco City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Frisco City’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.