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–Not graded
Natural hazards in Kremlin · FEMA

Storms, floods and disasters in Kremlin

Kremlin isn’t graded for hazard risk: Kremlin has 71 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
1
of 10 declared for Hill County
By hazard

What Kremlin 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

92%of expected building damage
Below average · lower than 63% of U.S. census tracts
Recorded about once every 5 years in the area
Smaller shares here
 Winter storms top 1% Hail Earthquakes Tornadoes Cold waves top 1% Strong wind Wildfire Ice storms Lightning Heat waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 53% of Kremlin’s expected losses. Cold waves do little damage to buildings (0.7%), 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 Kremlin flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Kremlin. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

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

Insurance rates: Hill County.
Disasters

1 federal disaster brought FEMA money to Kremlin

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

  1. 2011Severe Storms and Flooding1 households applied for aid$484 aid approved
Disasters declared, by decade
Paid out in KremlinHill County only

Hill County has had 10 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Kremlin archive →
Be ready

Get ready for what Kremlin 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 ↗
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 Kremlin

Is Kremlin 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 Hill County, 0.1% of all homes carry federal flood insurance.

How much is flood insurance in Kremlin?

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

By FEMA money that reached Kremlin, Severe Storms and Flooding (2011): 1 households applied for aid, $484 approved.

Storm stories

Memories, warnings and help from neighbors in Kremlin.

Town Square →
Start the conversation

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