Natural hazards · Texas

Texas, IL natural hazards

Most of the natural-hazard damage FEMA expects in Texas comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Texas?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Texas to be higher than in 49% of U.S. communities, mostly from inland flooding and drought.

Inland flooding33%Drought21%Cold waves20%Tornadoes10%Strong wind5%Everything else11%

By hazard

What Texas faces

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

Inland flooding

33% of expected damage

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

Recorded about once a year in the area

Drought

21% of expected damage

Recorded about 4 times a year in the area

Cold waves

20% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 6 years in the area

Strong wind

5% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Texas flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: De Witt County.

Disasters that hit Texas

2 federal disasters brought FEMA money here

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

Brought FEMA money into TexasDeclared for De Witt County only

2000

Illinois Winter Snow Storms

$5K to the Township of Texas for repairs

1999

Il-Winter Storm 1/1/99

$3K to the Township of Texas for repairs

De Witt County has had 9 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Texas

Texas and the towns around it

Very lowLowModerateHighVery high

Clintoniamostly inland floodingModerate

Texasmostly inland floodingModerate

Tunbridgemostly inland floodingModerate

Maroamostly inland floodingModerate

Creekmostly inland floodingModerate

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. Texas is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.