Natural hazards · Commerce

Commerce, TX natural hazards

Most of the natural-hazard damage FEMA expects in Commerce comes from tornadoes, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 1997. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Commerce?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Commerce to be higher than in 19% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes39%Inland flooding21%Cold waves12%Heat waves8%Ice storms7%Hail7%Everything else7%

By hazard

What Commerce faces

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

Tornadoes

39% of expected damage

Well above average · higher than 90% of U.S. places

Inland flooding

21% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about 2 times a year in the area

Cold waves

12% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Heat waves

8% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 16 times a year in the area

Ice storms

7% of expected damage

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

Recorded about once a year in the area

Hail

7% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesWinter 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 Commerce flood?

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

2paid claims since 1997

$9Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hunt County.

What’s been done with FEMA grants

7storm safe rooms built

Disasters that hit Commerce

3 federal disasters brought FEMA money here

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

Brought FEMA money into CommerceDeclared for Hunt County only

2021

Severe Winter Storms

107 households applied for aid $57K aid approved

2007

Severe Storms, Tornadoes, and Flooding

$65K to the City of Commerce for repairs

2000

Severe Winter Ice Storm

$16K to the City of Commerce for repairs

Hunt County has had 13 natural disasters declared since 1953, most often fires and hurricanes.

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. Commerce covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Commerce’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Commerce. 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 Commerce total about $3.4M 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.