Coop Creek Bridge · Photo: Valis55 · CC BY-SA 3.0FEMA expects more hazard damage per building in Mansfield than in 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mansfield gets a D for hazard risk: higher expected damage per building than 89% of U.S. towns. Most of that expected damage is river and rain flooding (80%). 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 Mansfield 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
Ice storms
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 Mansfield’s grade
River and rain flooding is 80% of the building damage FEMA expects in Mansfield, and Mansfield’s rate of river and rain flooding damage is in the top 7% of U.S. census tracts. Ice storms add 8%, at a rate in the top 1% of U.S. census tracts.
D higher expected damage per building than 89% of U.S. towns (21,298).
Mansfield’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $690K a year in losses across Mansfield: $473K to buildings, the rest to people and crops.
Does Mansfield flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Mansfield. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Mansfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Scott County.3 federal disasters brought FEMA money to Mansfield
Disasters that paid out in Mansfield itself (aid to households or repair grants to the City of Mansfield), newest first, with that year’s flood claims.
- 2013Severe Winter Storm$72K to the City of Mansfield for repairs
- 2008Severe Storms, Tornadoes, and Flooding7 households applied for aid$5K aid approved
- 2000Severe Winter Ice Storm$30K to the City of Mansfield for repairs
Scott County has had 18 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 Mansfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mansfield archive →Get ready for what Mansfield 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Mansfield
Is Mansfield at risk for natural disasters?
On FEMA’s National Risk Index, Mansfield has higher expected damage per building than 89% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (80%) and ice storms (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Mansfield 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 Scott County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Mansfield?
FEMA’s Community Rating System list shows no discount for Mansfield’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 Mansfield?
By FEMA money that reached Mansfield, Severe Winter Storm (2013): $72K to the City of Mansfield for repairs.
Is Mansfield at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Mansfield’s rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mansfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mansfield’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.