FEMA puts Stonewood’s expected hazard damage per building above that of 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stonewood gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 3 claims here since 1985.
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 Stonewood 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 Stonewood’s grade
River and rain flooding is 94% of the building damage FEMA expects in Stonewood, and Stonewood’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts.
C− higher expected damage per building than 82% of U.S. towns (21,298).
Stonewood’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $706K a year in losses across Stonewood: $662K to buildings, the rest to people and crops.
Does Stonewood flood? Rarely: 3 flood claims since 1985
Every paid claim on a federal flood insurance policy in Stonewood, from FEMA’s records: 3.1 per 1,000 homes, fewer than 51% of the 13,809 U.S. towns with a flood insurance record.
Stonewood 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.2 federal disasters brought FEMA money to Stonewood
Disasters that paid out in Stonewood itself (aid to households or repair grants to the City of Stonewood), newest first, with that year’s flood claims.
- 2008Severe Storms, Tornadoes, Flooding, Mudslides, and2 households applied for aid$6K aid approved$4K to the City of Stonewood for repairs
- 2003Severe Winter Storm, Record/near Record Snow, Heavy Rains, Flooding and Landslides$4K to the City of Stonewood 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 Stonewood after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stonewood archive →Stonewood and its neighbors
Stonewood is 2nd of the 2 graded towns here, from least expected damage per building to most. 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 |
| Anmoore | — | 522 residents; we grade 1,000+ | |
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 Stonewood 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 Stonewood
Is Stonewood at risk for natural disasters?
On FEMA’s National Risk Index, Stonewood has higher expected damage per building than 82% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (94%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Stonewood flood?
Flood insurance has paid 3 claims in Stonewood since 1985, $11K in all, or 3.1 per 1,000 homes, fewer than 51% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Stonewood 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 Stonewood?
FEMA’s Community Rating System list shows no discount for Stonewood’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 Stonewood?
By FEMA money that reached Stonewood, Severe Storms, Tornadoes, Flooding, Mudslides, and (2008): 2 households applied for aid, $6K approved, and $4K to the City of Stonewood for repairs.
Is Stonewood at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Stonewood’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stonewood.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stonewood’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.