Photo: Westcoast-trekker · CC BY-SA 4.0FEMA puts Allyn’s expected hazard damage per building above that of 90% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Allyn gets a D for hazard risk: higher expected damage per building than 90% of U.S. towns. Most of that expected damage is earthquakes (50%), then river and rain flooding (45%). 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 Allyn faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
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 Allyn’s grade
Earthquakes are 50% of the building damage FEMA expects in Allyn, and Allyn’s rate of earthquakes damage is in the top 7% of U.S. census tracts. Coastal flooding adds 4%, at a rate in the top 2% of U.S. census tracts.
D higher expected damage per building than 90% of U.S. towns (21,298).
Allyn’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.6M a year in losses across Allyn: $1.3M to buildings, the rest to people and crops.
Does Allyn flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Allyn. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Allyn isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mason County.1 federal disaster brought FEMA money to Allyn
Disasters that paid out in Allyn itself (aid to households or repair grants to Allyn), newest first, with that year’s flood claims.
- 2007Severe Storms, Flooding, Landslides, and Mudslides10 households applied for aid$803 aid approved
Mason County has had 27 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 Mason County, 2023–2023.
Old photos of Allyn after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Allyn archive →Get ready for what Allyn faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Allyn
Is Allyn at risk for natural disasters?
On FEMA’s National Risk Index, Allyn has higher expected damage per building than 90% of U.S. towns: D for hazard risk. Most of the expected damage is earthquakes (50%) and river and rain flooding (45%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Allyn 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 Mason County, 22% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Allyn?
FEMA’s Community Rating System list shows no discount for Allyn’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 Allyn?
By FEMA money that reached Allyn, Severe Storms, Flooding, Landslides, and Mudslides (2007): 10 households applied for aid, $803 approved.
Is Allyn at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (50%), and Allyn’s rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Allyn.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Allyn’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.