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A+Hazard risk
Natural hazards in Hutchison · FEMA

FEMA expects less hazard damage per building in Hutchison than in 97% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Hutchison gets an A+ for hazard risk: lower expected damage per building than 97% of U.S. towns, #18 of 253 in Virginia. Most of that expected damage is river and rain flooding (75%), then hurricanes (14%). Flood insurance has paid 1 claim here since 2011.

River and rain flooding 75%Hurricanes 14%Earthquakes 5%

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 97%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#18 of 253 in Virginia
Hazard risk
A+#18 of 253
in Virginia · lower than 97% of U.S. towns
Main hazard
River and rain flooding
75% of expected building damage
Flood claims
1
paid since 2011 · $2K
Flood claims per home
0 per 1,000
fewer than 90% of U.S. towns
By hazard

What Hutchison 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

75%of expected building damage
Well below average · lower than 86% of U.S. census tracts
Recorded about 6 times a year in the area

Hurricanes

14%of expected building damage
Above average · higher than 74% of U.S. census tracts
Recorded about once every 10 years in the area

Earthquakes

5%of expected building damage
About average · lower than 53% of U.S. census tracts
Smaller shares here
 Hail Strong wind Tornadoes Ice storms Winter storms Cold waves Lightning Heat waves Landslides
FEMA models no building damage here
Coastal floodingWildfireAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts heat waves at 13% of Hutchison’s 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 Hutchison’s grade

River and rain flooding is 75% of the building damage FEMA expects in Hutchison, and Hutchison’s rate of river and rain flooding damage is lower than 86% of U.S. census tracts. Next is hurricanes at 14% (higher than 74% of U.S. census tracts).

Where Hutchison sits
Hutchison
Least damageMiddleMost damage

A+ #18 of 253 in Virginia; lower expected damage per building than 97% of U.S. towns (21,298).

All of Hutchison’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding75%Hurricanes14%Earthquakes5%Everything else6%

The typical Virginia town has lower expected damage than 81% of U.S. towns; within the state, Hutchison has less expected damage per building than 93% of Virginia towns.

In dollars, FEMA expects about $518K a year in losses across Hutchison: $315K to buildings, the rest to people and crops.

Shared tract.All of Hutchison’s 6,231 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Hutchison flood? Rarely: 1 flood claim since 2011

Every paid claim on a federal flood insurance policy in Hutchison, from FEMA’s records: 0.5 per 1,000 homes, fewer than 90% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2011: 1 claim2012: 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 claims2011
20112026
1
paid claims since 2011
$2K
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

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

Insurance rates: Fairfax County.
Disasters

The storms Hutchison remembers

None of the 16 disasters declared for Fairfax County shows FEMA aid or repair money reaching Hutchison itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20111 flood claims paidThe year of The Remnants of Tropical Storm Lee, declared for Fairfax County
Disasters declared, by decade
Paid out in HutchisonFairfax County only

Fairfax County has had 16 natural disasters declared by the President since 1953, most often winter 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 Hutchison after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Hutchison archive →
Next door

Hutchison and its neighbors

Hutchison has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.

McNair: hazard risk A+Herndon: hazard risk A+McNairHerndonHutchison
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
HutchisonA+less damage than 97%river and rain flooding1
McNairA+less damage than 96%river and rain flooding—
HerndonA+less damage than 95%river and rain flooding8

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 Hutchison 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 ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 Hutchison

Is Hutchison at risk for natural disasters?

On FEMA’s National Risk Index, Hutchison has lower expected damage per building than 97% of U.S. towns: A+ for hazard risk, #18 of 253 in Virginia. Most of the expected damage is river and rain flooding (75%) and hurricanes (14%). 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 Hutchison flood?

Flood insurance has paid 1 claim in Hutchison since 2011, $2K in all, or 0.5 per 1,000 homes, fewer than 90% of U.S. towns with a flood insurance record.

Is Hutchison 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 Fairfax County, 22% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.

How much is flood insurance in Hutchison?

FEMA’s Community Rating System list shows no discount for Hutchison’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Hutchison at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (75%), and Hutchison’s rate for it is lower than 86% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Hutchison.

Town Square →
Start the conversation

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