Photo: Tysto · Public domainOn FEMA’s figures, Russells Point faces more hazard damage per building than 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Russells Point gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 29 claims here since 1990.
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 stands out about Russells Point’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Russells 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
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 Russells Point’s grade
River and rain flooding is 87% of the building damage FEMA expects in Russells Point, and Russells Point’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts. Next is tornadoes at 5% (higher than 74% of U.S. census tracts).
D higher expected damage per building than 86% of U.S. towns (21,298).
All of Russells Point’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.3M a year in losses across Russells Point: $1.2M to buildings, the rest to people and crops.
Does Russells Point flood? Sometimes: 29 flood claims since 1990
Every paid claim on a federal flood insurance policy in Russells Point, from FEMA’s records: 25.9 per 1,000 homes, more than 87% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms3 claims · $19K
Russells 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: Logan County.5 federal disasters brought FEMA money to Russells Point
Disasters that paid out in Russells Point itself (aid to households or repair grants to the Village of Russells Point), newest first, with that year’s flood claims.
- 2024Tornadoes139 households applied for aid$481K aid approved
- 2004Severe Winter Storms, Flooding, and Mudslides40 households applied for aid$27K aid approved$14K to the Village of Russells Point for repairs
- 2004Snow$1K to the Village of Russells Point for repairs
- 2004Severe Storms and Flooding2 households applied for aid$2K aid approved
- 2003Severe Storms and Flooding57 households applied for aid$178K aid approved7 flood claims paid that year
Logan County has had 10 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.
Old photos of Russells Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Russells Point archive →Get ready for what Russells 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.
- 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 Russells Point
Is Russells Point at risk for natural disasters?
On FEMA’s National Risk Index, Russells Point has higher expected damage per building than 86% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (87%) and tornadoes (5%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Russells Point flood?
Flood insurance has paid 29 claims in Russells Point since 1990, $476K in all, or 25.9 per 1,000 homes, more than 87% of U.S. towns with a flood insurance record. 4 properties have flooded more than once. The most claims came from Late winter storms (3).
Is Russells 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 Logan County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in Russells Point?
FEMA’s Community Rating System list shows no discount for Russells 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 Russells Point?
By FEMA money that reached Russells Point, Tornadoes (2024): 139 households applied for aid, $481K approved. By flood claims, Late winter storms: 3 paid, $19K.
Is Russells Point at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Russells Point’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Russells Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Russells 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.