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Natural hazards · Cross Plains

Cross Plains, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cross Plains comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

How exposed is Cross Plains?

52
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cross Plains to be higher than in 52% of U.S. communities, mostly from inland flooding and hail.

Inland flooding33%Hail21%Tornadoes19%Drought7%Wildfire6%Everything else14%
By hazard

What Cross Plains faces

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

Inland flooding

33% of expected damage
Below average · higher than 35% of U.S. places
Recorded about once a year in the area

Hail

21% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

19% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 3 years in the area

Drought

7% of expected damage
Recorded about 40 times a year in the area

Wildfire

6% of expected damage
Well above average · higher than 95% of U.S. places

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightning

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 Cross Plains flood?

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

of all homes
are insured
No community discount. Cross Plains 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

2storm safe rooms built
Disasters that hit Cross Plains

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Cross Plains itself: aid to households, or repair grants to the Town of Cross Plains.

Brought FEMA money into Cross PlainsDeclared for Callahan County only
2021

Severe Winter Storms

1 household applied for aid
2016

Severe Storms and Flooding

$46K to the Town of Cross Plains for repairs
2007

Severe Storms, Tornadoes, and Flooding

$30K to the Town of Cross Plains for repairs
2005

Extreme Wildfire Threat

101 households applied for aid $420K aid approved
2002

Severe Storms and Flooding

$14K to the Town of Cross Plains 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. Cross Plains 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 Cross Plains’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cross Plains. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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