Photo: Michael Rivera · CC BY-SA 4.0On FEMA’s figures, Arlington faces about as much hazard damage per building as the typical U.S. town, led by hurricanes
On FEMA’s National Risk Index, Arlington gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns. Most of that expected damage is hurricanes (45%), then river and rain flooding (40%). 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 Arlington faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
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 Arlington’s grade
Hurricanes are 45% of the building damage FEMA expects in Arlington, and Arlington’s rate of hurricanes damage is higher than 89% of U.S. census tracts. Next is river and rain flooding at 40% (lower than 78% of U.S. census tracts).
B− higher expected damage per building than 53% of U.S. towns (21,298).
Arlington’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $854K a year in losses across Arlington: $401K to buildings, the rest to people and crops.
Does Arlington flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Arlington. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Arlington isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Calhoun County.2 federal disasters brought FEMA money to Arlington
Disasters that paid out in Arlington itself (aid to households or repair grants to the City of Arlington), newest first, with that year’s flood claims.
- 2018Hurricane Michael283 households applied for aid$38K aid approved$24K to the City of Arlington for repairs
- 2009Severe Storms, Flooding, Tornadoes, and Straight-line Winds2 households applied for aid$26K to the City of Arlington for repairs
Calhoun County has had 8 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Arlington after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Arlington archive →Get ready for what Arlington faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Arlington
Is Arlington at risk for natural disasters?
On FEMA’s National Risk Index, Arlington has higher expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is hurricanes (45%) and river and rain flooding (40%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Arlington 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 Calhoun County, 2% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Arlington?
FEMA’s Community Rating System list shows no discount for Arlington’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 Arlington?
By FEMA money that reached Arlington, Hurricane Michael (2018): 283 households applied for aid, $38K approved, and $24K to the City of Arlington for repairs.
Is Arlington at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (45%), and Arlington’s rate for it is higher than 89% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Arlington.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Arlington’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.