Natural hazards · De Kalb

De Kalb, TX natural hazards

Most of the natural-hazard damage FEMA expects in De Kalb 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 De Kalb?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in De Kalb to be higher than in 47% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding29%Tornadoes25%Hail17%Heat waves8%Ice storms8%Everything else13%

By hazard

What De Kalb faces

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

Inland flooding

29% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 27 years in the area

Hail

17% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 19 times a year in the area

Ice storms

8% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesWinter 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 De Kalb flood?

FEMA's records show no paid flood insurance claims in De Kalb.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bowie County.

Disasters that hit De Kalb

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in De Kalb itself: aid to households, or repair grants to the City of De Kalb.

Brought FEMA money into De KalbDeclared for Bowie County only

2024

Hurricane Beryl

74 households applied for aid $8K aid approved

2021

Severe Winter Storms

53 households applied for aid $71K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

10 households applied for aid $8K aid approved $46K to the City of De Kalb for repairs

2000

Severe Winter Ice Storm

$99K to the City of De Kalb for repairs

1999

Tx, Tornado 5/4/99

$560K to the City of De Kalb for repairs

Bowie County has had 21 natural disasters declared since 1953, most often hurricanes 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. De Kalb 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 De Kalb’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of De Kalb. 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.