Natural hazards · Cool

Cool, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cool comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Cool?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cool to be higher than in 42% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding29%Tornadoes29%Wildfire26%Cold waves8%Heat waves5%Everything else5%

By hazard

What Cool faces

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

Inland flooding

29% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

29% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 10 years in the area

Wildfire

26% of expected damage

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

Cold waves

8% of expected damage

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

Recorded about once a year in the area

Heat waves

5% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 15 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherEarthquakesLandslidesStrong 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 Cool flood?

FEMA's records show no paid flood insurance claims in Cool.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Parker County.

Disasters that hit Cool

Federal disasters declared here

None of the disasters declared for Parker County shows FEMA aid or repair money reaching Cool itself in FEMA’s records.

Brought FEMA money into CoolDeclared for Parker County only

Parker County has had 20 natural disasters declared since 1953, most often floods and severe storms.

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. Cool is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Cool’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cool. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.