Photo: Brian Stansberry · CC BY 4.0FEMA puts Crainville’s expected hazard damage per building above that of 83% of U.S. towns, led by earthquakes
On FEMA’s National Risk Index, Crainville gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns. Most of that expected damage is earthquakes (44%), then river and rain flooding (28%). 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 Crainville 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
Strong wind
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 Crainville’s grade
Earthquakes are 44% of the building damage FEMA expects in Crainville, and Crainville’s rate of earthquakes damage is higher than 90% of U.S. census tracts. Strong wind adds 22%, at a rate in the top 1% of U.S. census tracts.
C− higher expected damage per building than 83% of U.S. towns (21,298).
Crainville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.2M a year in losses across Crainville: $692K to buildings, the rest to people and crops.
Does Crainville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Crainville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Crainville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Williamson County.The storms Crainville remembers
None of the 6 disasters declared for Williamson County shows FEMA aid or repair money reaching Crainville itself in FEMA’s records, so these are its biggest flood-claim years.
Williamson County has had 6 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.
Crainville and its neighbors
Crainville is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Carterville | C−more damage than 83% | earthquakes | 1 |
| Crainville | C−more damage than 83% | earthquakes | 0 |
| Herrin | C−more damage than 85% | river and rain flooding | 12 |
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 Crainville 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Crainville
Is Crainville at risk for natural disasters?
On FEMA’s National Risk Index, Crainville has higher expected damage per building than 83% of U.S. towns: C− for hazard risk. Most of the expected damage is earthquakes (44%) and river and rain flooding (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Crainville 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 Williamson County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Crainville?
FEMA’s Community Rating System list shows no discount for Crainville’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Crainville at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (44%), and Crainville’s rate for it is higher than 90% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Crainville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Crainville’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.