FEMA expects more hazard damage per building in Mallory than almost anywhere in the U.S., mostly from river and rain flooding
On FEMA’s National Risk Index, Mallory gets a D− for hazard risk: among the highest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (98%). 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 Mallory 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 Mallory’s grade
River and rain flooding is 98% of the building damage FEMA expects in Mallory, and Mallory’s rate of river and rain flooding damage is in the top 1% of U.S. census tracts.
D− among the highest expected damage per building of U.S. towns (21,298).
Mallory’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.5M a year in losses across Mallory: $1.3M to buildings, the rest to people and crops.
Does Mallory flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Mallory. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Mallory isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Logan County.3 federal disasters brought FEMA money to Mallory
Disasters that paid out in Mallory itself (aid to households or repair grants to Mallory), newest first, with that year’s flood claims.
- 2025Severe Storm, Straight-line Winds, Flooding, Landslides, and Mudslides1 households applied for aid$7K aid approved
- 2010Severe Storms, Flooding, Mudslides, and Landslides13 households applied for aid$47K aid approved
- 2004Severe Storms, Flooding, and Landslides2 households applied for aid$3K aid approved
Logan County has had 30 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 Logan County, 2001–2001.
Old photos of Mallory after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mallory archive →Mallory and its neighbors
Mallory 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 |
|---|---|---|---|
| Mallory | D−among the highest damage | river and rain flooding | 0 |
| Man | — | not graded yet | |
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 Mallory 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 Mallory
Is Mallory at risk for natural disasters?
On FEMA’s National Risk Index, Mallory has among the highest expected damage per building of U.S. towns: D− for hazard risk. Most of the expected damage is river and rain flooding (98%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Mallory 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 Logan County, 8% of homes in mapped flood zones carry federal flood insurance, and 2.4% of all homes do.
How much is flood insurance in Mallory?
FEMA’s Community Rating System list shows no discount for Mallory’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 Mallory?
By FEMA money that reached Mallory, Severe Storms, Flooding, Mudslides, and Landslides (2010): 13 households applied for aid, $47K approved.
Is Mallory at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (98%), and Mallory’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mallory.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mallory’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.