Natural hazards · Addison

Addison, TX natural hazards

Most of the natural-hazard damage FEMA expects in Addison comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2021. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Addison?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Addison to be higher than in 40% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding30%Heat waves23%Hail21%Tornadoes16%Cold waves8%Everything else2%

By hazard

What Addison faces

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

Inland flooding

30% of expected damage

Below average · higher than 28% of U.S. places

Recorded about 5 times a year in the area

Heat waves

23% of expected damage

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

Recorded about 19 times a year in the area

Hail

21% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 94% of U.S. places

Cold waves

8% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Addison flood?

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

1paid claims since 2021

$8Kpaid to owners

0homes flooded more than once

20212026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dallas County.

Disasters that hit Addison

4 federal disasters brought FEMA money here

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

Brought FEMA money into AddisonDeclared for Dallas County only

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

82 households applied for aid $17K aid approved $178K to the Town of Addison for repairs

2021

Severe Winter Storms

222 households applied for aid $68K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid $10K aid approved

2005

Hurricane Katrina Evacuation

$51K to the Town of Addison for repairs

Dallas County has had 23 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Addison

Addison and the towns around it

Very lowLowModerateHighVery high

Farmers Branchmostly inland floodingHigh

Dallasmostly inland floodingModerate

Carrolltonmostly inland floodingModerate

Addisonmostly 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. Addison covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Addison’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Addison. 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 Addison total about $10.2M 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.