FEMA puts Nutter Fort’s expected hazard damage per building above that of 63% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Nutter Fort gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 16 claims here since 1981.
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 Nutter Fort 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 Nutter Fort’s grade
River and rain flooding is 93% of the building damage FEMA expects in Nutter Fort, and Nutter Fort’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts.
C+ higher expected damage per building than 63% of U.S. towns (21,298).
Nutter Fort’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $534K a year in losses across Nutter Fort: $497K to buildings, the rest to people and crops.
Does Nutter Fort flood? Sometimes: 16 flood claims since 1981
Every paid claim on a federal flood insurance policy in Nutter Fort, from FEMA’s records: 17.6 per 1,000 homes, more than 82% of the 13,809 U.S. towns with a flood insurance record.
Nutter Fort isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Harrison County.5 federal disasters brought FEMA money to Nutter Fort
Disasters that paid out in Nutter Fort itself (aid to households or repair grants to the Town of Nutter Fort), newest first, with that year’s flood claims.
- 2012Severe Storms and Straight-line Winds$20K to the Town of Nutter Fort for repairs
- 2008Severe Storms, Tornadoes, Flooding, Mudslides, and6 households applied for aid$22K aid approved$6K to the Town of Nutter Fort for repairs4 flood claims paid that year
- 2003Severe Storms, Flooding, and Landslides2 households applied for aid$7K aid approved$118K to the Town of Nutter Fort for repairs
- 2003Severe Storms, Flooding, and Landslides1 households applied for aid$851 aid approved
- 2003Severe Winter Storm, Record/near Record Snow, Heavy Rains, Flooding and Landslides1 households applied for aid$132 aid approved$4K to the Town of Nutter Fort for repairs
Harrison County has had 20 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.
Old photos of Nutter Fort after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Nutter Fort archive →Nutter Fort and its neighbors
Nutter Fort has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Nutter Fort | C+more damage than 63% | river and rain flooding | 16 |
| Stonewood | C−more damage than 82% | river and rain flooding | 3 |
| Clarksburg | C−more damage than 84% | river and rain flooding | 305 |
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 Nutter Fort 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 Nutter Fort
Is Nutter Fort at risk for natural disasters?
On FEMA’s National Risk Index, Nutter Fort has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Nutter Fort flood?
Flood insurance has paid 16 claims in Nutter Fort since 1981, $132K in all, or 17.6 per 1,000 homes, more than 82% of U.S. towns with a flood insurance record.
Is Nutter Fort 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 Harrison County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Nutter Fort?
FEMA’s Community Rating System list shows no discount for Nutter Fort’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 Nutter Fort?
By FEMA money that reached Nutter Fort, Severe Storms, Flooding, and Landslides (2003): 2 households applied for aid, $7K approved, and $118K to the Town of Nutter Fort for repairs.
Is Nutter Fort at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Nutter Fort’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Nutter Fort.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Nutter Fort’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.