Natural hazards · Bardwell

Bardwell, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bardwell comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bardwell?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bardwell to be higher than in 20% of U.S. communities, mostly from inland flooding.

Inland flooding53%Cold waves14%Tornadoes12%Hail6%Heat waves6%Everything else10%

By hazard

What Bardwell faces

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

Inland flooding

53% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 2 times a year in the area

Cold waves

14% of expected damage

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

Recorded about once a year in the area

Tornadoes

12% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 14 years in the area

Hail

6% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 7 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 17 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Bardwell flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ellis County.

Disasters that hit Bardwell

3 federal disasters brought FEMA money here

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

Brought FEMA money into BardwellDeclared for Ellis County only

2024

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

10 households applied for aid $25K aid approved

2021

Severe Winter Storms

5 households applied for aid $7K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid $4K aid approved

Ellis County has had 19 natural disasters declared since 1953, most often severe storms and fires.

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