Natural hazards · Clyde

Clyde, TX natural hazards

Most of the natural-hazard damage FEMA expects in Clyde comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1989. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Clyde?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clyde to be higher than in 51% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding28%Tornadoes28%Hail20%Wildfire7%Strong wind6%Heat waves6%Everything else6%

By hazard

What Clyde faces

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

Inland flooding

28% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once a year in the area

Tornadoes

28% of expected damage

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

Hail

20% of expected damage

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

Recorded about 6 times a year in the area

Wildfire

7% of expected damage

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

Strong wind

6% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 2 times a year in the area

Heat waves

6% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesEarthquakesLandslidesLightningDrought

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 Clyde flood?

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

1paid claims since 1989

$18Kpaid to owners

0homes flooded more than once

19892026

of all homes
are insured

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

Insurance rates: Callahan County.

What’s been done with FEMA grants

9storm safe rooms built

Disasters that hit Clyde

2 federal disasters brought FEMA money here

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

Brought FEMA money into ClydeDeclared for Callahan County only

2021

Severe Winter Storms

$9K to the City of Clyde for repairs

2016

Severe Storms and Flooding

$60K to the City of Clyde for repairs

Callahan County has had 19 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. Clyde covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Clyde’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Clyde. 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 Clyde total about $1.4M 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.