Kyle's Mill House · Photo: Nyttend · Public domainOn FEMA’s figures, Massanetta Springs faces less hazard damage per building than 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Massanetta Springs gets an A− for hazard risk: lower expected damage per building than 75% of U.S. towns, #159 of 253 in Virginia. Most of that expected damage is river and rain flooding (84%). Flood insurance has paid 1 claim 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 Massanetta Springs 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
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 Massanetta Springs’ grade
River and rain flooding is 84% of the building damage FEMA expects in Massanetta Springs, and Massanetta Springs’ rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Next is hurricanes at 8% (higher than 73% of U.S. census tracts).
A− #159 of 253 in Virginia; lower expected damage per building than 75% of U.S. towns (21,298).
All of Massanetta Springs’ residents live in one census tract; the figures are that tract’s.
The typical Virginia town has lower expected damage than 81% of U.S. towns; within the state, Massanetta Springs has more expected damage per building than 63% of Virginia towns.
In dollars, FEMA expects about $1.4M a year in losses across Massanetta Springs: $1.1M to buildings, the rest to people and crops.
Does Massanetta Springs flood? Rarely: 1 flood claim since 2018
Every paid claim on a federal flood insurance policy in Massanetta Springs, from FEMA’s records: 0.4 per 1,000 homes, fewer than 93% of the 13,809 U.S. towns with a flood insurance record.
Massanetta Springs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rockingham County.The storms Massanetta Springs remembers
None of the 17 disasters declared for Rockingham County shows FEMA aid or repair money reaching Massanetta Springs itself in FEMA’s records, so these are its biggest flood-claim years.
- 20181 flood claims paidThe year of Hurricane Florence, declared for Rockingham County
Rockingham County has had 17 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Rockingham County, 2011–2011.
Old photos of Massanetta Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Massanetta Springs archive →Get ready for what Massanetta Springs 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.
- 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 Massanetta Springs
Is Massanetta Springs at risk for natural disasters?
On FEMA’s National Risk Index, Massanetta Springs has lower expected damage per building than 75% of U.S. towns: A− for hazard risk, #159 of 253 in Virginia. Most of the expected damage is river and rain flooding (84%) and hurricanes (8%). 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 Massanetta Springs flood?
Flood insurance has paid 1 claim in Massanetta Springs since 2018, $30K in all, or 0.4 per 1,000 homes, fewer than 93% of U.S. towns with a flood insurance record.
Is Massanetta Springs 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 Rockingham County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Massanetta Springs?
FEMA’s Community Rating System list shows no discount for Massanetta Springs’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Massanetta Springs at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Massanetta Springs’ rate for it is lower than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Massanetta Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Massanetta Springs’ 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.