Natural hazards · Bailey

Bailey, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bailey comes from drought, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Bailey?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bailey to be higher than in 54% of U.S. communities, mostly from drought and tornadoes.

Drought33%Tornadoes21%Inland flooding17%Heat waves10%Cold waves5%Hail5%Everything else9%

By hazard

What Bailey faces

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

Drought

33% of expected damage

Recorded about 27 times a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 11 years in the area

Inland flooding

17% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Heat waves

10% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 16 times a year in the area

Cold waves

5% of expected damage

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

Recorded about once a year in the area

Hail

5% of expected damage

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

Recorded about 8 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Bailey flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fannin County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Bailey

Federal disasters declared here

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

Brought FEMA money into BaileyDeclared for Fannin County only

Fannin County has had 16 natural disasters declared since 1953, most often severe storms 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. Bailey 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 Bailey’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bailey. 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.