Natural hazards · Chandler

Chandler, TX natural hazards

Most of the natural-hazard damage FEMA expects in Chandler comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2006. 5 federal disasters brought FEMA money into town.

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

How exposed is Chandler?

18
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chandler to be higher than in 18% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves42%Inland flooding22%Tornadoes20%Heat waves5%Everything else11%
By hazard

What Chandler faces

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

Cold waves

42% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 2 years in the area

Inland flooding

22% of expected damage
Below average · higher than 26% of U.S. places
Recorded about once a year in the area

Tornadoes

20% of expected damage
Above average · higher than 61% of U.S. places
Recorded about once every 76 years in the area

Heat waves

5% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about 16 times a year in the area

Lower here

HurricanesHailIce 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 Chandler flood?

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

2paid claims since 2006
$19Kpaid to owners
0homes flooded more than once
20062026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Chandler isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Henderson County.
Disasters that hit Chandler

5 federal disasters brought FEMA money here

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

Brought FEMA money into ChandlerDeclared for Henderson County only
2024

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

290 households applied for aid $1.5M aid approved
2021

Severe Winter Storms

194 households applied for aid $131K aid approved
2016

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $7K aid approved
2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

16 households applied for aid $30K aid approved $35K to the City of Chandler for repairs
2007

Severe Storms, Tornadoes, and Flooding

13 households applied for aid $14K aid approved $38K to the City of Chandler for repairs
Henderson County has had 20 natural disasters declared since 1953, most often severe storms 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. Chandler covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Chandler’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Chandler. 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 Chandler total about $1.6M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01