FEMA expects more hazard damage per building in Mills than in 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mills gets a C for hazard risk: higher expected damage per building than 74% of U.S. towns, #25 of 28 in Wyoming. 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 Mills 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
Earthquakes
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 Mills’ grade
River and rain flooding is 86% of the building damage FEMA expects in Mills, and Mills’ rate of river and rain flooding damage is higher than 85% of U.S. census tracts. Wildfire adds 4%, at a rate in the top 8% of U.S. census tracts.
C #25 of 28 in Wyoming; higher expected damage per building than 74% of U.S. towns (21,298).
Mills’ residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Wyoming town has lower expected damage than 55% of U.S. towns; within the state, Mills has more expected damage per building than 89% of Wyoming towns.
In dollars, FEMA expects about $2.2M a year in losses across Mills: $1.8M to buildings, the rest to people and crops.
Does Mills flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Mills. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Mills isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Natrona County.1 federal disaster brought FEMA money to Mills
Disasters that paid out in Mills itself (aid to households or repair grants to the Town of Mills), newest first, with that year’s flood claims.
- 2023Flooding$13K to the Town of Mills for repairs
Natrona County has had 2 natural disasters declared by the President since 1953, most often floods.
Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Natrona County, 2000–2015.
Old photos of Mills after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mills archive →Mills and its neighbors
Mills 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 |
|---|---|---|---|
| Casper | B−more damage than 55% | river and rain flooding | 20 |
| Mills | Cmore damage than 74% | river and rain flooding | 0 |
| Vista West | — | 953 residents; we grade 1,000+ | |
| Mountain View | — | 0 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 Mills 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Mills
Is Mills at risk for natural disasters?
On FEMA’s National Risk Index, Mills has higher expected damage per building than 74% of U.S. towns: C for hazard risk, #25 of 28 in Wyoming. Most of the expected damage is river and rain flooding (86%) and earthquakes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Mills 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 Natrona County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Mills?
FEMA’s Community Rating System list shows no discount for Mills’ 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 Mills?
By FEMA money that reached Mills, Flooding (2023): $13K to the Town of Mills for repairs.
Is Mills at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Mills’ rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mills.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mills’ 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.