Hutto, Texas: natural disaster risk
How exposed Hutto is to floods, storms and other hazards, from FEMA and NOAA records for Williamson County.
Hutto is a city of 35,483 people in Williamson County, Texas. FEMA's National Risk Index rates Williamson County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, cold wave and tornado, with about $137 million in expected losses a year across the county. The weather service has logged 916 storm reports in the county since 1954, including 71 tornadoes and 168 floods. NOAA hurricane records show 1 hurricane and 9 tropical storms passing within 65 miles of the county's center. About 1.1% of homes in the county carry federal flood insurance.
Risk figures are for Williamson County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Hutto
Full Williamson County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $71M | |
| Cold wave | $21M | |
| Tornado | $17M | |
| Hail | $14M | |
| Heat wave | $5M | |
| Lightning | $2M | |
| Wildfire | $2M | |
| Winter weather | $1M | |
| Strong wind | $1M | |
| Drought | $964K | |
| Hurricane | $860K | |
| Ice storm | $403K |
Homes in Hutto
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Williamson County
More cities in Williamson County
Common questions about Hutto
Is Hutto safe from natural disasters?
Hutto is in Williamson County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, cold wave, tornado. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Hutto?
By expected yearly losses in Williamson County, the top hazards are inland flooding (Moderate), cold wave (High), tornado (High). Williamson County has been part of 23 federal disaster or emergency declarations for natural events.
Does Hutto get tornadoes?
Yes. NOAA records list 71 tornadoes in Williamson County since 1950; the strongest was an F5 tornado on May 27, 1997 near Jarrell. FEMA rates tornado risk in the county high.
Do I need flood insurance in Hutto?
Standard home insurance does not cover floods. In Williamson County, about 1.1% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.