Natural hazards · Celina

Celina, TX natural hazards

Most of the natural-hazard damage FEMA expects in Celina comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2015. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Celina?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Celina to be higher than in 53% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes60%Inland flooding19%Hail14%Everything else7%

By hazard

What Celina faces

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

Tornadoes

60% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 29 years in the area

Inland flooding

19% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Hail

14% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Celina flood?

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

2paid claims since 2015

$25Kpaid to owners

0homes flooded more than once

20152026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Collin County.

What’s been done with FEMA grants

7storm safe rooms built

Disasters that hit Celina

3 federal disasters brought FEMA money here

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

Brought FEMA money into CelinaDeclared for Collin County only

2024

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

107 households applied for aid $71K aid approved

2021

Severe Winter Storms

47 households applied for aid $18K aid approved

2007

Severe Storms, Tornadoes, and Flooding

$13K to the City of Celina for repairs

Collin County has had 15 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Celina

Celina and the towns around it

Very lowLowModerateHighVery high

Celinamostly tornadoesModerate

Prospermostly tornadoesModerate

Pilot Pointmostly 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. Celina covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Celina’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Celina. 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 Celina total about $7.3M 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.