Photo: Jared Winkler · CC BY-SA 4.0More hazard damage per building is expected in Wright than in 68% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Wright gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (46%), then wildfire (26%). Flood insurance has paid 1 claim here since 2013.
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 Wright 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
Wildfire
Hail
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 Wright’s grade
River and rain flooding is 46% of the building damage FEMA expects in Wright, and Wright’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Wildfire adds 26%, at a rate in the top 2% of U.S. census tracts.
C higher expected damage per building than 68% of U.S. towns (21,298).
Wright’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $949K a year in losses across Wright: $587K to buildings, the rest to people and crops.
Does Wright flood? Rarely: 1 flood claim since 2013
Every paid claim on a federal flood insurance policy in Wright, from FEMA’s records: 1.2 per 1,000 homes, fewer than 73% of the 13,809 U.S. towns with a flood insurance record.
Wright isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Campbell County.1 federal disaster brought FEMA money to Wright
Disasters that paid out in Wright itself (aid to households or repair grants to the Town of Wright), newest first, with that year’s flood claims.
- 2005Tornado217 households applied for aid$453K aid approved
Campbell County has had 3 natural disasters declared by the President since 1953, most often severe storms, then floods.
Old photos of Wright after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wright archive →Get ready for what Wright 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Wright
Is Wright at risk for natural disasters?
On FEMA’s National Risk Index, Wright has higher expected damage per building than 68% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (46%) and wildfire (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Wright flood?
Flood insurance has paid 1 claim in Wright since 2013, $1K in all, or 1.2 per 1,000 homes, fewer than 73% of U.S. towns with a flood insurance record.
Is Wright 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 Campbell County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Wright?
FEMA’s Community Rating System list shows no discount for Wright’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 Wright?
By FEMA money that reached Wright, Tornado (2005): 217 households applied for aid, $453K approved.
Is Wright at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (46%), and Wright’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wright.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wright’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.