On FEMA’s figures, Collinsville faces less hazard damage per building than 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Collinsville gets a B+ for hazard risk: lower expected damage per building than 69% of U.S. towns, #178 of 253 in Virginia. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 10 claims here since 1987.
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 Collinsville 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
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 Collinsville’s grade
River and rain flooding is 83% of the building damage FEMA expects in Collinsville, and Collinsville’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts.
B+ #178 of 253 in Virginia; lower expected damage per building than 69% of U.S. towns (21,298).
Collinsville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Virginia town has lower expected damage than 81% of U.S. towns; within the state, Collinsville has more expected damage per building than 70% of Virginia towns.
In dollars, FEMA expects about $2.2M a year in losses across Collinsville: $1.6M to buildings, the rest to people and crops.
Does Collinsville flood? Sometimes: 10 flood claims since 1987
Every paid claim on a federal flood insurance policy in Collinsville, from FEMA’s records: 2.9 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Fran4 claims · $75K
Collinsville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Henry County.The storms Collinsville remembers
None of the 12 disasters declared for Henry County shows FEMA aid or repair money reaching Collinsville itself in FEMA’s records, so these are its biggest flood-claim years.
- 19964 flood claims paidThe year of Hurricane Fran and Associated Severe Storm Cond, declared for Henry County
- 20102 flood claims paidNo declaration for the county that year
- 19871 flood claims paidNo declaration for the county that year
Henry County has had 12 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Collinsville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Collinsville archive →Collinsville and its neighbors
Collinsville has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Collinsville | B+less damage than 69% | river and rain flooding | 10 |
| Villa Heights | — | 601 residents; we grade 1,000+ | |
| Fieldale | — | 783 residents; we grade 1,000+ | |
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.
Get ready for what Collinsville 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.
- 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 Collinsville
Is Collinsville at risk for natural disasters?
On FEMA’s National Risk Index, Collinsville has lower expected damage per building than 69% of U.S. towns: B+ for hazard risk, #178 of 253 in Virginia. Most of the expected damage is river and rain flooding (83%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Collinsville flood?
Flood insurance has paid 10 claims in Collinsville since 1987, $213K in all, or 2.9 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record. The most claims came from Hurricane Fran (4).
Is Collinsville 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 Henry County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Collinsville?
FEMA’s Community Rating System list shows no discount for Collinsville’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 Collinsville?
By flood claims, Hurricane Fran: 4 paid, $75K.
Is Collinsville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Collinsville’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Collinsville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Collinsville’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.