Natural hazards · Carlton

Carlton, TX natural hazards

Most of the natural-hazard damage FEMA expects in Carlton comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Carlton?

Moderate

vs. U.S. communities

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

Inland flooding32%Tornadoes24%Wildfire14%Cold waves12%Hail6%Everything else13%

By hazard

What Carlton faces

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

Inland flooding

32% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once a year in the area

Tornadoes

24% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 6 years in the area

Wildfire

14% of expected damage

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

Cold waves

12% of expected damage

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

Recorded about once a year in the area

Hail

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Carlton flood?

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

of all homes
are insured

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

Insurance rates: Hamilton County.

Disasters that hit Carlton

1 federal disaster brought FEMA money here

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

Brought FEMA money into CarltonDeclared for Hamilton County only

2007

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $2K aid approved

Hamilton County has had 14 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. Carlton 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 Carlton’s own flood-insurance community; household aid to the registrant’s city; repair grants to Carlton. 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.