Photo: MissDashwood · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Cross Plains as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Cross Plains gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (61%), then earthquakes (15%). 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 Cross Plains 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
Earthquakes
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 Cross Plains’ grade
River and rain flooding is 61% of the building damage FEMA expects in Cross Plains, and Cross Plains’ rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Ice storms add 2%, at a rate in the top 8% of U.S. census tracts.
B lower expected damage per building than 58% of U.S. towns (21,298).
Cross Plains’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $540K a year in losses across Cross Plains: $323K to buildings, the rest to people and crops.
Does Cross Plains flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cross Plains. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cross Plains isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Robertson County.1 federal disaster brought FEMA money to Cross Plains
Disasters that paid out in Cross Plains itself (aid to households or repair grants to the City of Cross Plains), newest first, with that year’s flood claims.
- 2010Severe Storms, Flooding, Straight-line Winds, and Tornadoes11 households applied for aid$40K aid approved
Robertson 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.
Old photos of Cross Plains after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cross Plains archive →Get ready for what Cross Plains 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Cross Plains
Is Cross Plains at risk for natural disasters?
On FEMA’s National Risk Index, Cross Plains has lower expected damage per building than 58% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (61%) and earthquakes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Cross Plains 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 Robertson County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Cross Plains?
FEMA’s Community Rating System list shows no discount for Cross Plains’ 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 Cross Plains?
By FEMA money that reached Cross Plains, Severe Storms, Flooding, Straight-line Winds, and Tornadoes (2010): 11 households applied for aid, $40K approved.
Is Cross Plains at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (61%), and Cross Plains’ rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cross Plains.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cross Plains’ 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.