Natural hazards · Cross Timber

Cross Timber, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cross Timber comes from tornadoes, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Cross Timber?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cross Timber to be higher than in 31% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes41%Inland flooding32%Cold waves10%Heat waves6%Everything else11%

By hazard

What Cross Timber 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 97% of U.S. places

Recorded about once every 67 years in the area

Inland flooding

32% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 3 times a year in the area

Cold waves

10% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Heat waves

6% of expected damage

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

Recorded about 17 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Timber flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Johnson County.

Disasters that hit Cross Timber

Federal disasters declared here

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

Brought FEMA money into Cross TimberDeclared for Johnson County only

Johnson County has had 14 natural disasters declared since 1953, most often fires 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. Cross Timber 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 Timber’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cross Timber. 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.