Natural hazards · Bells

Bells, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bells comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bells?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bells to be higher than in 27% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes23%Cold waves10%Heat waves10%Everything else13%

By hazard

What Bells faces

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

Inland flooding

43% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

23% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 17 years in the area

Cold waves

10% of expected damage

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

Recorded about once a year in the area

Heat waves

10% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 16 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 Bells flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grayson County.

What’s been done with FEMA grants

31storm safe rooms built

Disasters that hit Bells

4 federal disasters brought FEMA money here

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

Brought FEMA money into BellsDeclared for Grayson County only

2021

Severe Winter Storms

28 households applied for aid $19K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

17 households applied for aid $20K aid approved $13K to the Town of Bells for repairs

2007

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $16K aid approved

2000

Severe Winter Ice Storm

$16K to the Town of Bells for repairs

Grayson County has had 16 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. Bells 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 Bells’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bells. 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.