Natural hazards · Bonham

Bonham, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bonham comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 13 claims here since 1981. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bonham?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bonham to be higher than in 41% of U.S. communities, mostly from tornadoes and heat waves.

Tornadoes38%Heat waves21%Inland flooding12%Cold waves10%Hail6%Strong wind5%Everything else7%

By hazard

What Bonham faces

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

Tornadoes

38% of expected damage

Well above average · higher than 93% of U.S. places

Heat waves

21% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 16 times a year in the area

Inland flooding

12% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about 2 times a year 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

Hail

6% of expected damage

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

Recorded about 8 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Bonham flood?

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

13paid claims since 1981

$166Kpaid to owners

3homes flooded more than once

19812026

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. Bonham isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Fannin County.

What’s been done with FEMA grants

66storm safe rooms built

Disasters that hit Bonham

4 federal disasters brought FEMA money here

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

Brought FEMA money into BonhamDeclared for Fannin County only

2021

Severe Winter Storms

92 households applied for aid $55K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

57 households applied for aid $44K aid approved $213K to the City of Bonham for repairs

2005

Hurricane Katrina Evacuation

$7K to the City of Bonham for repairs

2000

Severe Winter Ice Storm

$88K to the City of Bonham for repairs

Fannin County has had 16 natural disasters declared since 1953, most often severe storms and floods.

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. Bonham covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bonham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bonham. 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 Bonham total about $2.0M 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.