Natural hazards · Breckenridge

Breckenridge, TX natural hazards

Most of the natural-hazard damage FEMA expects in Breckenridge comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 41 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Breckenridge?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Breckenridge to be higher than in 38% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes20%Cold waves13%Hail9%Heat waves8%Strong wind7%Everything else4%

By hazard

What Breckenridge faces

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

Inland flooding

39% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 92% of U.S. places

Cold waves

13% of expected damage

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

Recorded about once a year in the area

Hail

9% of expected damage

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

Recorded about 7 times a year in the area

Heat waves

8% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 12 times a year in the area

Strong wind

7% of expected damage

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

Recorded about 2 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 Breckenridge flood?

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

41paid claims since 1978

$707Kpaid to owners

2homes flooded more than once

19782026

Biggest named events

Early summer severe storms: 10 claims, $475K
Thunderstorms: 5 claims, $47K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Stephens County.

What’s been done with FEMA grants

8storm safe rooms built

Disasters that hit Breckenridge

4 federal disasters brought FEMA money here

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

Brought FEMA money into BreckenridgeDeclared for Stephens County only

2021

Severe Winter Storms

145 households applied for aid $135K aid approved

2016

Severe Storms and Flooding

82 households applied for aid $251K aid approved $28K to the City of Breckenridge for repairs

2011

Wildfires

$9K to the City of Breckenridge for repairs

2007

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $9K aid approved $66K to the City of Breckenridge for repairs

Stephens County has had 19 natural disasters declared since 1953, most often fires 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. Breckenridge 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 Breckenridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Breckenridge. 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.