Natural hazards · Allen

Allen, TX natural hazards

Most of the natural-hazard damage FEMA expects in Allen comes from tornadoes, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1998. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Allen?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Allen to be higher than in 60% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes58%Inland flooding23%Hail13%Everything else6%

By hazard

What Allen faces

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

Tornadoes

58% of expected damage

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

Inland flooding

23% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 2 times a year in the area

Hail

13% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 9 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Allen flood?

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

3paid claims since 1998

$22Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Collin County.

What’s been done with FEMA grants

32storm safe rooms built

Disasters that hit Allen

3 federal disasters brought FEMA money here

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

Brought FEMA money into AllenDeclared for Collin County only

2024

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

162 households applied for aid $84K aid approved

2021

Severe Winter Storms

712 households applied for aid $195K aid approved

2005

Hurricane Katrina Evacuation

$31K to the City of Allen for repairs

Collin County has had 15 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Allen

Allen and the towns around it

Very lowLowModerateHighVery high

Parkermostly tornadoesHigh

Lucasmostly tornadoesHigh

Fairviewmostly tornadoesHigh

Allenmostly tornadoesHigh

Planomostly tornadoesModerate

McKinneymostly tornadoesModerate

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. Allen covers 17 census tracts, combined by population.

Money that reached townFlood claims are matched to Allen’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Allen. 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 Allen total about $67.1M 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.