Natural hazards · Bellmead

Bellmead, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bellmead comes from tornadoes, and overall the risk is very low for a U.S. community. Flood insurance has paid 8 claims here since 1994. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Bellmead?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bellmead to be higher than in 4% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes39%Inland flooding27%Cold waves16%Heat waves9%Everything else9%

By hazard

What Bellmead faces

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

Tornadoes

39% of expected damage

Above average · higher than 71% of U.S. places

Inland flooding

27% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about 2 times a year in the area

Cold waves

16% of expected damage

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

Recorded about once a year in the area

Heat waves

9% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 17 times a year in the area

Lower here

HurricanesHailIce 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 Bellmead flood?

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

8paid claims since 1994

$63Kpaid to owners

1homes flooded more than once

19942026

Biggest named events

2026-06-Arthur-TS: 1 claim, $3K
Fall 2018 Texas Flooding: 1 claim, $2K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McLennan County.

Disasters that hit Bellmead

1 federal disaster brought FEMA money here

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

Brought FEMA money into BellmeadDeclared for McLennan County only

2021

Severe Winter Storms

42 households applied for aid $23K aid approved $17K to the City of Bellmead for repairs

McLennan County has had 18 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Bellmead

Bellmead and the towns around it

Very lowLowModerateHighVery high

Lacy-Lakeviewmostly tornadoesVery low

Wacomostly tornadoesVery low

Bellmeadmostly tornadoesVery low

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. Bellmead covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Bellmead’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bellmead. 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 Bellmead total about $3.4M 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.