Natural hazards · Hutchins

Hutchins, TX natural hazards

Most of the natural-hazard damage FEMA expects in Hutchins comes from heat waves, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1982. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Hutchins?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hutchins to be higher than in 23% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves30%Inland flooding24%Hail17%Tornadoes16%Cold waves10%Everything else3%

By hazard

What Hutchins faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Heat waves

30% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 19 times a year in the area

Inland flooding

24% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about 5 times a year in the area

Hail

17% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 95 years in the area

Cold waves

10% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Hutchins flood?

Every paid claim on a federal flood insurance policy in Hutchins, from FEMA’s records.

2paid claims since 1982

$3Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hutchins isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Dallas County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Hutchins

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Hutchins itself: aid to households, or repair grants to the City of Hutchins.

Brought FEMA money into HutchinsDeclared for Dallas County only

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

90 households applied for aid $113K aid approved

2021

Severe Winter Storms

168 households applied for aid $150K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid

Dallas County has had 23 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Hutchins

Hutchins and the towns around it

Very lowLowModerateHighVery high

Lancastermostly heat wavesModerate

Dallasmostly inland floodingModerate

Wilmermostly inland floodingModerate

Hutchinsmostly heat wavesLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Hutchins covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hutchins’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hutchins. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Hutchins total about $2.7M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.