Crosbyton’s biggest natural hazard is drought
Most of the natural-hazard damage FEMA expects in Crosbyton comes from drought, and overall the risk is moderate for a U.S. community. Flood insurance has paid 8 claims here since 1994. 2 federal disasters brought FEMA money into town.
What stands out about Crosbyton’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Crosbyton flood? Rarely: 8 flood claims since 1994
Every paid claim on a federal flood insurance policy in Crosbyton, from FEMA’s records.
- Hurricane Harvey4 claims · $325K
- The Fall severe storms2 claims · $91K
Crosbyton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Crosby County.How exposed is Crosbyton?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 46% of U.S. communities, mostly from drought and hail.
Calmer than 944 of the 1,859 Texas towns we cover.
Crosbyton is smaller than a census tract, so it shares the figures of the tract around its center.
What Crosbyton faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Drought
Hail
Tornadoes
Inland flooding
Strong wind
Cold waves
2 federal disasters brought FEMA money to Crosbyton
Disasters that paid out in Crosbyton itself (aid to households or repair grants to the City of Crosbyton) and its biggest flood years.
- 2021Severe Winter Storms$17K to the City of Crosbyton for repairs
- 2000Severe Winter Ice Storm$12K to the City of Crosbyton for repairs
Crosby County has had 12 natural disasters declared since 1953, most often fires and severe storms.
Old photos of Crosbyton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Crosbyton archive →Get ready for what Crosbyton actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- On a well? Know how deep it is and watch for sputtering.
- Follow the town’s watering limits.
- Fix drips: they add up.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in August–September
The month each of Crosby County’s 12 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 Crosbyton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Crosbyton.
- 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.
Storm stories
Memories, warnings and help from neighbors in Crosbyton.
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.