FEMA expects less hazard damage per building in Quitman than in 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Quitman gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (59%), then ice storms (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 Quitman 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
Ice storms
Hail
Strong wind
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 Quitman’s grade
River and rain flooding is 59% of the building damage FEMA expects in Quitman, and Quitman’s rate of river and rain flooding damage is lower than 80% of U.S. census tracts. Ice storms add 15%, at a rate in the top 2% of U.S. census tracts.
A− lower expected damage per building than 80% of U.S. towns (21,298).
Quitman’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $642K a year in losses across Quitman: $418K to buildings, the rest to people and crops.
Does Quitman flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Quitman. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Quitman isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wood County.2 federal disasters brought FEMA money to Quitman
Disasters that paid out in Quitman itself (aid to households or repair grants to the City of Quitman), newest first, with that year’s flood claims.
- 2021Severe Winter Storms49 households applied for aid$30K aid approved
- 2000Severe Winter Ice Storm$8K to the City of Quitman for repairs
Wood County has had 10 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Wood County, 2006–2006.
Old photos of Quitman after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Quitman archive →Get ready for what Quitman 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Quitman
Is Quitman at risk for natural disasters?
On FEMA’s National Risk Index, Quitman has lower expected damage per building than 80% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (59%) and ice storms (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Quitman 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 Wood County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Quitman?
FEMA’s Community Rating System list shows no discount for Quitman’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 Quitman?
By FEMA money that reached Quitman, Severe Winter Storms (2021): 49 households applied for aid, $30K approved.
Is Quitman at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (59%), and Quitman’s rate for it is lower than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Quitman.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Quitman’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.