Natural hazards · Ben Arnold

Ben Arnold, TX natural hazards

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

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

Expected damage

How exposed is Ben Arnold?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ben Arnold to be higher than in 23% of U.S. communities, mostly from drought and inland flooding.

Drought26%Inland flooding25%Tornadoes16%Cold waves10%Hurricanes8%Hail5%Everything else9%

By hazard

What Ben Arnold faces

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

Drought

26% of expected damage

Recorded about 52 times a year in the area

Inland flooding

25% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 5 years in the area

Cold waves

10% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

8% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 18 years in the area

Hail

5% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 3 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Ben Arnold flood?

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

of all homes
are insured

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

Insurance rates: Milam County.

Disasters that hit Ben Arnold

Federal disasters declared here

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

Brought FEMA money into Ben ArnoldDeclared for Milam County only

Milam County has had 18 natural disasters declared since 1953, most often hurricanes 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. Ben Arnold 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 Ben Arnold’s own flood-insurance community; household aid to the registrant’s city; repair grants to Ben Arnold. 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.