Natural hazards · Cross Roads

Cross Roads, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cross Roads comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2018. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cross Roads?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cross Roads to be higher than in 53% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes41%Inland flooding36%Hail10%Heat waves6%Everything else8%

By hazard

What Cross Roads faces

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

Tornadoes

41% of expected damage

Well above average · higher than 94% of U.S. places

Inland flooding

36% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Hail

10% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 9 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 18 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong 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 Cross Roads flood?

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

3paid claims since 2018

$60Kpaid to owners

1homes flooded more than once

20182026

Biggest named events

2026-06-Arthur-TS: 1 claim, $26K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Denton County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Cross Roads

3 federal disasters brought FEMA money here

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

Brought FEMA money into Cross RoadsDeclared for Denton County only

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

16 households applied for aid $4K aid approved

2021

Severe Winter Storms

5 households applied for aid $6K aid approved

2007

Severe Storms, Tornadoes, and Flooding

$22K to the Town of Cross Roads for repairs

Denton County has had 19 natural disasters declared since 1953, most often severe storms and fires.

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 Roads covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cross Roads’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cross Roads. 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 Cross Roads total about $3.2M 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.