Natural hazards · Borger

Borger, TX natural hazards

Most of the natural-hazard damage FEMA expects in Borger comes from cold waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2015. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Borger?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Borger to be higher than in 55% of U.S. communities, mostly from cold waves and tornadoes.

Cold waves36%Tornadoes23%Hail11%Inland flooding11%Wildfire6%Strong wind6%Everything else8%

By hazard

What Borger faces

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

Cold waves

36% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

23% of expected damage

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

Hail

11% of expected damage

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

Recorded about 9 times a year in the area

Inland flooding

11% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about once a year in the area

Wildfire

6% of expected damage

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

Strong wind

6% of expected damage

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

Recorded about 3 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Borger flood?

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

2paid claims since 2015

$15Kpaid to owners

0homes flooded more than once

20152026

Biggest named events

Early summer storms: 1 claim, $5K

of all homes
are insured

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

Insurance rates: Hutchinson County.

What’s been done with FEMA grants

39storm safe rooms built

Disasters that hit Borger

1 federal disaster brought FEMA money here

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

Brought FEMA money into BorgerDeclared for Hutchinson County only

2021

Severe Winter Storms

1 household applied for aid

Hutchinson County has had 15 natural disasters declared since 1953, most often fires and hurricanes.

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. Borger covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Borger’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Borger. 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 Borger total about $6.9M 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.