Natural hazards · Bullard

Bullard, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bullard comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2008. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bullard?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bullard to be higher than in 9% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves19%Heat waves17%Everything else19%

By hazard

What Bullard faces

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

Inland flooding

45% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 2 times a year in the area

Cold waves

19% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Heat waves

17% of expected damage

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

Recorded about 19 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Bullard flood?

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

2paid claims since 2008

$31Kpaid to owners

0homes flooded more than once

20082026

Biggest named events

Hurricane Ike: 1 claim, $29K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Smith County.

Disasters that hit Bullard

7 federal disasters brought FEMA money here

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

Brought FEMA money into BullardDeclared for Smith County only

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

122 households applied for aid $234K aid approved

2021

Severe Winter Storms

64 households applied for aid $46K aid approved

2016

Severe Storms and Flooding

3 households applied for aid $6K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

7 households applied for aid $7K aid approved

2008

Hurricane Ike

29 households applied for aid $6K aid approved

2007

Severe Storms, Tornadoes, and Flooding

33 households applied for aid $39K aid approved

2005

Hurricane Rita

1 household applied for aid $2K aid approved

Smith County has had 25 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. Bullard 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 Bullard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bullard. 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.