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–Not graded
Natural hazards in Hustonville · FEMA

Storms, floods and disasters in Hustonville

Hustonville isn’t graded for hazard risk: Hustonville has 612 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 1999.

Flood claims
2
paid since 1999 · $25K
Disasters paid out here
4
of 23 declared for Lincoln County
By hazard

What Hustonville 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

79%of expected building damage
Above average · higher than 70% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

7%of expected building damage
Above average · higher than 68% of U.S. census tracts
Smaller shares here
 Hail Strong wind Earthquakes Ice storms Hurricanes Lightning Wildfire Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 12% of Hustonville’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Hustonville flood? Rarely: 2 flood claims since 1999

Every paid claim on a federal flood insurance policy in Hustonville, from FEMA’s records.

Paid flood claims, by year
1999: 1 claim2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 1 claim2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims19992010
19992026
2
paid claims since 1999
$25K
paid to owners
0
homes flooded more than once
$12K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Hustonville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lincoln County.
What’s been done with FEMA grants
1storm safe room built
Disasters

4 federal disasters brought FEMA money to Hustonville

Disasters that paid out in Hustonville itself (aid to households or repair grants to the City of Hustonville), newest first, with that year’s flood claims.

  1. 2025Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides18 households applied for aid$133K aid approved
  2. 2021Severe, Storms, Flooding, Landslides, and Mudslides2 households applied for aid$2K aid approved
  3. 2010Severe Storms, Flooding, Mudslides, and Tornadoes63 households applied for aid$194K aid approved1 flood claim paid that year
  4. 2004Severe Storms, Tornadoes, Flooding, and Mudslides3 households applied for aid$1K aid approved
Disasters declared, by decade
Paid out in HustonvilleLincoln County only

Lincoln County has had 23 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.

Were you here?

Old photos of Hustonville after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Hustonville archive →
Be ready

Get ready for what Hustonville faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Hustonville

Does Hustonville flood?

Flood insurance has paid 2 claims in Hustonville since 1999, $25K in all.

Is Hustonville 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 Lincoln County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Hustonville?

FEMA’s Community Rating System list shows no discount for Hustonville’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 Hustonville?

By FEMA money that reached Hustonville, Severe Storms, Flooding, Mudslides, and Tornadoes (2010): 63 households applied for aid, $194K approved.

Storm stories

Memories, warnings and help from neighbors in Hustonville.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hustonville’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.