Photo: Renelibrary · CC BY-SA 3.0On FEMA’s figures, Hutto faces less hazard damage per building than 60% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hutto gets a B for hazard risk: lower expected damage per building than 60% of U.S. towns, #241 of 642 in Texas. Most of that expected damage is river and rain flooding (78%), then hail (13%). 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 Hutto 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
Hail
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 Hutto’s grade
River and rain flooding is 78% of the building damage FEMA expects in Hutto, and Hutto’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Hail adds 13%, at a rate in the top 7% of U.S. census tracts.
B #241 of 642 in Texas; lower expected damage per building than 60% of U.S. towns (21,298).
Hutto’s residents live in 8 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Hutto has less expected damage per building than 63% of Texas towns.
In dollars, FEMA expects about $5.3M a year in losses across Hutto: $3.3M to buildings, the rest to people and crops.
Does Hutto flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hutto. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hutto isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Williamson County.5 federal disasters brought FEMA money to Hutto
Disasters that paid out in Hutto itself (aid to households or repair grants to the City of Hutto), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, and Flooding28 households applied for aid$46K aid approved
- 2023Severe Winter Storm$197K to the City of Hutto for repairs
- 2021Severe Winter Storms591 households applied for aid$70K aid approved$16K to the City of Hutto for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding48 households applied for aid$164K aid approved$35K to the City of Hutto for repairs
- 2007Severe Storms, Tornadoes, and Flooding3 households applied for aid$8K aid approved
Williamson County has had 16 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.
Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Williamson County, 2008–2011.
Old photos of Hutto after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hutto archive →Get ready for what Hutto 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.
- 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.
- 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 Hutto
Is Hutto at risk for natural disasters?
On FEMA’s National Risk Index, Hutto has lower expected damage per building than 60% of U.S. towns: B for hazard risk, #241 of 642 in Texas. Most of the expected damage is river and rain flooding (78%) and hail (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Hutto 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 Williamson County, 46% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Hutto?
FEMA’s Community Rating System list shows no discount for Hutto’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 Hutto?
By FEMA money that reached Hutto, Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015): 48 households applied for aid, $164K approved, and $35K to the City of Hutto for repairs.
Is Hutto at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Hutto’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hutto.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hutto’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.