Natural hazards · Carrollton

Carrollton, TX natural hazards

Most of the natural-hazard damage FEMA expects in Carrollton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 76 claims here since 1981. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Carrollton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Carrollton to be higher than in 48% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding33%Tornadoes31%Hail14%Heat waves14%Cold waves6%Everything else2%

By hazard

What Carrollton faces

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

Inland flooding

33% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

31% of expected damage

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

Hail

14% of expected damage

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

Recorded about 9 times a year in the area

Heat waves

14% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 19 times a year in the area

Cold waves

6% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesIce 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 Carrollton flood?

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

76paid claims since 1981

$1.2Mpaid to owners

2homes flooded more than once

19812026

Biggest named events

Early summer storms: 8 claims, $65K
Hurricane Ike: 3 claims, $504K
Early summer severe storms: 1 claim, $36K

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

🏷️ 20% off flood insurance. Carrollton is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Denton County.

What’s been done with FEMA grants

15storm safe rooms built

Disasters that hit Carrollton

5 federal disasters brought FEMA money here

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

Brought FEMA money into CarrolltonDeclared for Denton County only

2024

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

710 households applied for aid $694K aid approved

2021

Severe Winter Storms

1,310 households applied for aid $409K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

129 households applied for aid $158K aid approved

2007

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $1K aid approved

2007

Severe Storms and Tornadoes

1 household applied for aid

Denton County has had 19 natural disasters declared since 1953, most often severe storms and fires.

Around Carrollton

Carrollton and the towns around it

Very lowLowModerateHighVery high

Coppellmostly inland floodingHigh

Farmers Branchmostly inland floodingHigh

Planomostly tornadoesModerate

Dallasmostly inland floodingModerate

Carrolltonmostly inland floodingModerate

Hebronmostly inland floodingModerate

Irvingmostly heat wavesModerate

Lewisvillemostly tornadoesModerate

Addisonmostly inland floodingModerate

The Colonymostly tornadoesLow

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. Carrollton covers 29 census tracts, combined by population.

Money that reached townFlood claims are matched to Carrollton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Carrollton. 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 Carrollton total about $53.9M 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.