Natural hazards · Caddo Mills

Caddo Mills, TX natural hazards

Most of the natural-hazard damage FEMA expects in Caddo Mills comes from tornadoes, 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 Caddo Mills?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Caddo Mills to be higher than in 50% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes34%Inland flooding31%Cold waves12%Heat waves7%Hail6%Everything else11%

By hazard

What Caddo Mills faces

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

Tornadoes

34% of expected damage

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

Recorded about once every 21 years in the area

Inland flooding

31% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Cold waves

12% of expected damage

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

Recorded about once a year in the area

Heat waves

7% of expected damage

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

Recorded about 16 times a year in the area

Hail

6% of expected damage

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

Recorded about 8 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Caddo Mills flood?

FEMA's records show no paid flood insurance claims in Caddo Mills.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hunt County.

What’s been done with FEMA grants

5storm safe rooms built

Disasters that hit Caddo Mills

2 federal disasters brought FEMA money here

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

Brought FEMA money into Caddo MillsDeclared for Hunt County only

2021

Severe Winter Storms

44 households applied for aid $54K aid approved

2007

Severe Storms, Tornadoes, and Flooding

$28K to the City of Caddo Mills for repairs

Hunt County has had 13 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. Caddo Mills 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 Caddo Mills’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Caddo Mills. 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.