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A−Hazard risk
Natural hazards in Hutchins · FEMA

FEMA puts Hutchins’s expected hazard damage per building below that of 79% of U.S. towns, led by river and rain flooding

On FEMA’s National Risk Index, Hutchins gets an A− for hazard risk: lower expected damage per building than 79% of U.S. towns, #107 of 642 in Texas. Most of that expected damage is river and rain flooding (40%), then hail (33%). Flood insurance has paid 2 claims here since 1982.

River and rain flooding 40%Hail 33%Tornadoes 24%

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

less than 79%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#107 of 642 in Texas
Hazard risk
A−#107 of 642
in Texas · lower than 79% of U.S. towns
Main hazard
River and rain flooding
40% of expected building damage
Flood claims
2
paid since 1982 · $3K
Disasters paid out here
2
of 22 declared for Dallas County

What stands out about Hutchins’ natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 79% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Hail: the top 3% of U.S. tractsFEMA’s building-damage rate for hail here ranks in the top 3% of U.S. census tracts; it is 33.4% of the damage it expects.Made safer with FEMA grants2 storm safe rooms built with FEMA grants.
By hazard

What Hutchins 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

40%of expected building damage
Well below average · lower than 94% of U.S. census tracts
Recorded about 5 times a year in the area

Hail

33%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about 9 times a year in the area

Tornadoes

24%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Smaller shares here
 Earthquakes Wildfire Ice storms Strong wind Hurricanes Winter storms Cold waves Lightning Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts heat waves at 30% of Hutchins’ expected losses. Heat waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Hutchins’ grade

River and rain flooding is 40% of the building damage FEMA expects in Hutchins, and Hutchins’ rate of river and rain flooding damage is lower than 94% of U.S. census tracts. Hail adds 33%, at a rate in the top 3% of U.S. census tracts.

Where Hutchins sits
Hutchins
Least damageMiddleMost damage

A− #107 of 642 in Texas; lower expected damage per building than 79% of U.S. towns (21,298).

Hutchins’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding40%Hail33%Tornadoes24%Everything else3%

The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Hutchins has less expected damage per building than 83% of Texas towns.

In dollars, FEMA expects about $2.1M a year in losses across Hutchins: $1.1M to buildings, the rest to people and crops.

A small-area figure. Hutchins covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Hutchins flood? Rarely: 2 flood claims since 1982

Every paid claim on a federal flood insurance policy in Hutchins, from FEMA’s records: 1.1 per 1,000 homes, fewer than 77% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1982: 1 claim1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 1 claim1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims19821991
19822026
2
paid claims since 1982
$3K
paid to owners
0
homes flooded more than once
$2K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Hutchins isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Dallas County.
What’s been done with FEMA grants
2storm safe rooms built
Disasters

2 federal disasters brought FEMA money to Hutchins

Disasters that paid out in Hutchins itself (aid to households or repair grants to the City of Hutchins), newest first, with that year’s flood claims.

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding90 households applied for aid$113K aid approved
  2. 2021Severe Winter Storms168 households applied for aid$150K aid approved
Disasters declared, by decade
Paid out in HutchinsDallas County only

Dallas County has had 22 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.

Were you here?

Old photos of Hutchins after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Hutchins archive →
Next door

Hutchins and its neighbors

Hutchins has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.

Dallas: hazard risk C+Wilmer: hazard risk B−Lancaster: hazard risk C+DallasWilmerLancasterHutchins
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
HutchinsA−less damage than 79%river and rain flooding2
WilmerB−less damage than 55%river and rain flooding4
DallasC+more damage than 58%river and rain flooding940
LancasterC+more damage than 59%river and rain flooding117

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.

Be ready

Get ready for what Hutchins faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Hutchins

Is Hutchins at risk for natural disasters?

On FEMA’s National Risk Index, Hutchins has lower expected damage per building than 79% of U.S. towns: A− for hazard risk, #107 of 642 in Texas. Most of the expected damage is river and rain flooding (40%) and hail (33%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Hutchins flood?

Flood insurance has paid 2 claims in Hutchins since 1982, $3K in all, or 1.1 per 1,000 homes, fewer than 77% of U.S. towns with a flood insurance record.

Is Hutchins 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 Dallas County, 40% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.

How much is flood insurance in Hutchins?

FEMA’s Community Rating System list shows no discount for Hutchins’ 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 Hutchins?

By FEMA money that reached Hutchins, Severe Winter Storms (2021): 168 households applied for aid, $150K approved.

Is Hutchins at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (40%), and Hutchins’ rate for it is lower than 94% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Hutchins.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hutchins’ 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.