Natural hazards · Texas

Texas, MI natural hazards

Most of the natural-hazard damage FEMA expects in Texas comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 15 claims here since 2018.

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

Expected damage

How exposed is Texas?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Texas to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes22%Hail11%Cold waves8%Everything else8%

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

52% of expected damage

Below average · higher than 25% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

22% of expected damage

Well above average · higher than 83% of U.S. places

Hail

11% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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?

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

15paid claims since 2018

$476Kpaid to owners

1homes flooded more than once

20182026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Kalamazoo County.

Disasters that hit Texas

Federal disasters declared here

None of the disasters declared for Kalamazoo County shows FEMA aid or repair money reaching Texas itself in FEMA’s records.

Brought FEMA money into TexasDeclared for Kalamazoo County only

Kalamazoo County has had 9 natural disasters declared since 1953, most often winter storms and floods.

Around Texas

Texas and the towns around it

Very lowLowModerateHighVery high

Mattawanmostly inland floodingModerate

Prairie Rondemostly inland floodingLow

Antwerpmostly inland floodingLow

Texasmostly inland floodingLow

Portagemostly inland floodingLow

Oshtemomostly inland floodingVery low

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 covers 4 census tracts, combined by population.

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.

FEMA’s expected losses across Texas total about $3.9M 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.