Natural hazards · Appleby

Appleby, TX natural hazards

Most of the natural-hazard damage FEMA expects in Appleby comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2023.

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

Expected damage

How exposed is Appleby?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Appleby to be higher than in 43% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes22%Hurricanes8%Strong wind8%Everything else14%

By hazard

What Appleby faces

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

Inland flooding

49% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

22% of expected damage

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

Recorded about once every 26 years in the area

Hurricanes

8% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 13 years in the area

Strong wind

8% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Appleby flood?

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

1paid claims since 2023

$113Kpaid to owners

1homes flooded more than once

20232026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Nacogdoches County.

Disasters that hit Appleby

Federal disasters declared here

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

Brought FEMA money into ApplebyDeclared for Nacogdoches County only

Nacogdoches County has had 22 natural disasters declared since 1953, most often hurricanes and floods.

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. Appleby 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 Appleby’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Appleby. 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.