FEMA expects less hazard damage per building in Stoneville than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stoneville gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (83%). 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 Stoneville 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
Hurricanes
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 Stoneville’s grade
River and rain flooding is 83% of the building damage FEMA expects in Stoneville, and Stoneville’s rate of river and rain flooding damage is higher than 55% of U.S. census tracts. Next is hurricanes at 6% (higher than 69% of U.S. census tracts).
B+ lower expected damage per building than 67% of U.S. towns (21,298).
Stoneville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $314K a year in losses across Stoneville: $270K to buildings, the rest to people and crops.
Does Stoneville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Stoneville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Stoneville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rockingham County.2 federal disasters brought FEMA money to Stoneville
Disasters that paid out in Stoneville itself (aid to households or repair grants to the Town of Stoneville), newest first, with that year’s flood claims.
- 2004Hurricane Ivan2 households applied for aid$3K aid approved
- 2003Ice Storm$7K to the Town of Stoneville for repairs
Rockingham County has had 22 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Stoneville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stoneville archive →Get ready for what Stoneville 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.
- 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.
- 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 Stoneville
Is Stoneville at risk for natural disasters?
On FEMA’s National Risk Index, Stoneville has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (83%) and hurricanes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Stoneville 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 Rockingham County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Stoneville?
FEMA’s Community Rating System list shows no discount for Stoneville’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 Stoneville?
By FEMA money that reached Stoneville, Ice Storm (2003): $7K to the Town of Stoneville for repairs.
Is Stoneville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Stoneville’s rate for it is higher than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stoneville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stoneville’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.