Natural hazards · Bluff Dale

Bluff Dale, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bluff Dale comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bluff Dale?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bluff Dale to be higher than in 50% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves17%Wildfire14%Tornadoes13%Everything else7%

By hazard

What Bluff Dale faces

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

Inland flooding

50% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Wildfire

14% of expected damage

Well above average · higher than 97% of U.S. places

Tornadoes

13% of expected damage

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

Recorded about once every 4 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Bluff Dale flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Erath County.

What’s been done with FEMA grants

6storm safe rooms built

Disasters that hit Bluff Dale

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Bluff Dale itself: aid to households, or repair grants to Bluff Dale.

Brought FEMA money into Bluff DaleDeclared for Erath County only

2021

Severe Winter Storms

3 households applied for aid

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

3 households applied for aid

Erath County has had 14 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. Bluff Dale 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 Bluff Dale’s own flood-insurance community; household aid to the registrant’s city; repair grants to Bluff Dale. 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.