Copperas Cove is calmer than 76% of U.S. communities
Most of the natural-hazard damage FEMA expects in Copperas Cove comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 35 claims here since 1989. 3 federal disasters brought FEMA money into town.
What stands out about Copperas Cove’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Copperas Cove flood? Sometimes: 35 flood claims since 1989
Every paid claim on a federal flood insurance policy in Copperas Cove, from FEMA’s records.
- The Thunderstorms5 claims · $44K
- The 2025 July Central TX Flooding2 claims · $152K
- The Early summer storms2 claims · $26K
Copperas Cove is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Coryell County.How exposed is Copperas Cove?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 24% of U.S. communities, mostly from inland flooding and tornadoes.
Calmer than 1,524 of the 1,859 Texas towns we cover.
Copperas Cove covers 6 census tracts, combined by population.
What Copperas Cove faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Cold waves
3 federal disasters brought FEMA money to Copperas Cove
Disasters that paid out in Copperas Cove itself (aid to households or repair grants to the City of Copperas Cove) and its biggest flood years.
- 2024Severe Storms, Straight-Line Winds, Tornadoes, and Flooding163 households applied for aid$222K aid approved
- 2021Severe Winter Storms675 households applied for aid$82K aid approved
- 2007Severe Storms, Tornadoes, and Flooding324 households applied for aid$154K aid approved9 flood claims paid that year
Coryell County has had 18 natural disasters declared since 1953, most often fires and floods.
Old photos of Copperas Cove after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Copperas Cove archive →Get ready for what Copperas Cove actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
- Copperas Cove residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Copperas Cove and its neighbors
How storm and flood risk compares across the town line. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Copperas Cove | Low | inland flooding | 35 |
| Fort Cavazos | Very low | tornadoes | 1 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in August–September
The month each of Coryell County’s 18 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Copperas Cove’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Copperas Cove.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Copperas Cove, expected losses total about $7.8M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Copperas Cove.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.