Photo: Renelibrary · CC BY-SA 4.0FEMA puts Frankston’s expected hazard damage per building below that of 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Frankston gets a B+ for hazard risk: lower expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then tornadoes (16%). 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 Frankston 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 Frankston’s grade
River and rain flooding is 70% of the building damage FEMA expects in Frankston, and Frankston’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Next is tornadoes at 16% (higher than 86% of U.S. census tracts).
B+ lower expected damage per building than 75% of U.S. towns (21,298).
Frankston’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $509K a year in losses across Frankston: $247K to buildings, the rest to people and crops.
Does Frankston flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Frankston. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Frankston isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Anderson County.3 federal disasters brought FEMA money to Frankston
Disasters that paid out in Frankston itself (aid to households or repair grants to the Town of Frankston), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding213 households applied for aid$857K aid approved
- 2021Severe Winter Storms105 households applied for aid$65K aid approved
- 2011Wildfires2 households applied for aid$40K aid approved
Anderson County has had 24 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Frankston after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Frankston archive →Get ready for what Frankston 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 Frankston
Is Frankston at risk for natural disasters?
On FEMA’s National Risk Index, Frankston has lower expected damage per building than 75% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (70%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Frankston 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 Anderson County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Frankston?
FEMA’s Community Rating System list shows no discount for Frankston’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 Frankston?
By FEMA money that reached Frankston, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): 213 households applied for aid, $857K approved.
Is Frankston at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Frankston’s rate for it is lower than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Frankston.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Frankston’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.