Less hazard damage per building is expected in Stony Point than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stony Point gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (74%). 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 Stony Point 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
Ice storms
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 Stony Point’s grade
River and rain flooding is 74% of the building damage FEMA expects in Stony Point, and Stony Point’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Ice storms add 8%, at a rate in the top 3% of U.S. census tracts.
B+ lower expected damage per building than 66% of U.S. towns (21,298).
Stony Point’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $299K a year in losses across Stony Point: $218K to buildings, the rest to people and crops.
Does Stony Point flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Stony Point. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Stony Point isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Alexander County.1 federal disaster brought FEMA money to Stony Point
Disasters that paid out in Stony Point itself (aid to households or repair grants to Stony Point), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene100 households applied for aid$128K aid approved
Alexander County has had 15 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 Stony Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stony Point archive →Get ready for what Stony Point 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Stony Point
Is Stony Point at risk for natural disasters?
On FEMA’s National Risk Index, Stony Point has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (74%) and ice storms (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Stony Point 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 Alexander 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 Stony Point?
FEMA’s Community Rating System list shows no discount for Stony Point’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 Stony Point?
By FEMA money that reached Stony Point, Tropical Storm Helene (2024): 100 households applied for aid, $128K approved.
Is Stony Point at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Stony Point’s rate for it is lower than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stony Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stony Point’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.