Natural hazards · Texhoma

Texhoma, OK natural hazards

Most of the natural-hazard damage FEMA expects in Texhoma comes from drought, and overall the risk is low 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 Texhoma?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Texhoma to be higher than in 37% of U.S. communities, mostly from drought and cold waves.

Drought54%Cold waves30%Everything else16%

By hazard

What Texhoma faces

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

Drought

54% of expected damage

Recorded about 131 times a year in the area

Cold waves

30% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Lower here

Inland floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Texhoma flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Texas County.

Disasters that hit Texhoma

2 federal disasters brought FEMA money here

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

Brought FEMA money into TexhomaDeclared for Texas County only

2017

Severe Winter Storm

$4K to the Town of Texhoma for repairs

2003

Severe Storms and Tornadoes

3 households applied for aid

Texas County has had 17 natural disasters declared since 1953, most often severe storms and ice 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. Texhoma 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 Texhoma’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Texhoma. 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.