Fort Colvin · Photo: JERRYE & ROY KLOTZ M.D. · CC BY-SA 4.0Less hazard damage per building is expected in Stephens City than in 63% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stephens City gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (86%). 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 Stephens City 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 Stephens City’s grade
River and rain flooding is 86% of the building damage FEMA expects in Stephens City, and Stephens City’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Next is hurricanes at 6% (higher than 70% of U.S. census tracts).
B lower expected damage per building than 63% of U.S. towns (21,298).
All of Stephens City’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $758K a year in losses across Stephens City: $521K to buildings, the rest to people and crops.
Does Stephens City flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Stephens City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Stephens City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Frederick County.1 federal disaster brought FEMA money to Stephens City
Disasters that paid out in Stephens City itself (aid to households or repair grants to the Town of Stephens City), newest first, with that year’s flood claims.
- 2003Hurricane Isabel22 households applied for aid$29K aid approved
Frederick County has had 15 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.
Old photos of Stephens City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stephens City archive →Get ready for what Stephens City 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 Stephens City
Is Stephens City at risk for natural disasters?
On FEMA’s National Risk Index, Stephens City has lower expected damage per building than 63% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (86%) and hurricanes (6%). 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.
Is Stephens City 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 Frederick County, 3% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Stephens City?
FEMA’s Community Rating System list shows no discount for Stephens City’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 Stephens City?
By FEMA money that reached Stephens City, Hurricane Isabel (2003): 22 households applied for aid, $29K approved.
Is Stephens City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Stephens City’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stephens City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stephens City’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.