Natural hazards · Hutto

Hutto, TX natural hazards

Most of the natural-hazard damage FEMA expects in Hutto comes from inland flooding, and overall the risk is moderate for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hutto?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hutto to be higher than in 48% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding55%Cold waves18%Tornadoes9%Hail8%Everything else10%

By hazard

What Hutto faces

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

Inland flooding

55% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 4 times a year in the area

Cold waves

18% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

9% of expected damage

Above average · higher than 58% of U.S. places

Hail

8% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Hutto flood?

FEMA's records show no paid flood insurance claims in Hutto.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Williamson County.

Disasters that hit Hutto

6 federal disasters brought FEMA money here

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

Brought FEMA money into HuttoDeclared for Williamson County only

2025

Severe Storms, Straight-Line Winds, and Flooding

28 households applied for aid $46K aid approved

2023

Severe Winter Storm

$197K to the City of Hutto for repairs

2021

Severe Winter Storms

591 households applied for aid $70K aid approved $16K to the City of Hutto for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

48 households applied for aid $164K aid approved $35K to the City of Hutto for repairs

2007

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $8K aid approved

2005

Hurricane Rita

1 household applied for aid

Williamson County has had 21 natural disasters declared since 1953, most often fires and severe storms.

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. Hutto covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Hutto’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hutto. 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 Hutto total about $2.5M 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.