Photo: Brian Stansberry · CC BY 4.0FEMA expects about as much hazard damage per building in Luttrell as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Luttrell gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (76%), then earthquakes (12%). Flood insurance has paid 5 claims here since 1997.
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 Luttrell 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
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 Luttrell’s grade
River and rain flooding is 76% of the building damage FEMA expects in Luttrell, and Luttrell’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Next is earthquakes at 12% (higher than 78% of U.S. census tracts).
B− lower expected damage per building than 53% of U.S. towns (21,298).
All of Luttrell’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $194K a year in losses across Luttrell: $118K to buildings, the rest to people and crops.
Does Luttrell flood? Rarely: 5 flood claims since 1997
Every paid claim on a federal flood insurance policy in Luttrell, from FEMA’s records: 8.7 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.
Luttrell isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Union County.1 federal disaster brought FEMA money to Luttrell
Disasters that paid out in Luttrell itself (aid to households or repair grants to the Town of Luttrell), newest first, with that year’s flood claims.
- 2011Severe Storms, Tornadoes, and Flooding$20K to the Town of Luttrell for repairs
Union County has had 12 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 Luttrell after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Luttrell archive →Luttrell and its neighbors
Luttrell has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Luttrell | B−less damage than 53% | river and rain flooding | 5 |
| Plainview | B−less damage than 52% | river and rain flooding | 5 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Luttrell 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.
- 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 Luttrell
Is Luttrell at risk for natural disasters?
On FEMA’s National Risk Index, Luttrell has lower expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (76%) and earthquakes (12%). 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 Luttrell flood?
Flood insurance has paid 5 claims in Luttrell since 1997, $87K in all, or 8.7 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Luttrell 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 Union County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Luttrell?
FEMA’s Community Rating System list shows no discount for Luttrell’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 Luttrell?
By FEMA money that reached Luttrell, Severe Storms, Tornadoes, and Flooding (2011): $20K to the Town of Luttrell for repairs.
Is Luttrell at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Luttrell’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Luttrell.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Luttrell’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.