FEMA expects less hazard damage per building in Camp Barrett than almost anywhere in the U.S., mostly from river and rain flooding
On FEMA’s National Risk Index, Camp Barrett gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (61%), then hurricanes (13%). Flood insurance has paid 3 claims here since 2018.
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 Camp Barrett 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
Hurricanes
Earthquakes
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 Camp Barrett’s grade
River and rain flooding is 61% of the building damage FEMA expects in Camp Barrett, and Camp Barrett’s rate of river and rain flooding damage is lower than 96% of U.S. census tracts. Next is hurricanes at 13% (higher than 70% of U.S. census tracts).
A+ among the lowest expected damage per building of U.S. towns (21,298).
All of Camp Barrett’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $237K a year in losses across Camp Barrett: $199K to buildings, the rest to people and crops.
Does Camp Barrett flood? Rarely: 3 flood claims since 2018
Every paid claim on a federal flood insurance policy in Camp Barrett, from FEMA’s records.
Camp Barrett isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Stafford County.The storms Camp Barrett remembers
None of the 17 disasters declared for Stafford County shows FEMA aid or repair money reaching Camp Barrett itself in FEMA’s records, so these are its biggest flood-claim years.
- 20183 flood claims paidThe year of Hurricane Florence, declared for Stafford County
Stafford County has had 17 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Camp Barrett after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Camp Barrett archive →Get ready for what Camp Barrett 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Camp Barrett
Is Camp Barrett at risk for natural disasters?
On FEMA’s National Risk Index, Camp Barrett has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (61%) and hurricanes (13%). 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 Camp Barrett flood?
Flood insurance has paid 3 claims in Camp Barrett since 2018, $113K in all.
Is Camp Barrett 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 Stafford County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Camp Barrett?
FEMA’s Community Rating System list shows no discount for Camp Barrett’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Camp Barrett at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (61%), and Camp Barrett’s rate for it is lower than 96% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Camp Barrett.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Camp Barrett’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.