Natural hazards · Deerwood

Deerwood, TX natural hazards

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

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

Expected damage

How exposed is Deerwood?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Deerwood to be higher than in 61% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes36%Inland flooding31%Cold waves15%Lightning6%Heat waves5%Everything else9%

By hazard

What Deerwood faces

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

Tornadoes

36% of expected damage

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

Recorded about once every 50 years in the area

Inland flooding

31% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 2 times a year in the area

Cold waves

15% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 2 years in the area

Lightning

6% of expected damage

Below average · higher than 44% of U.S. places

Heat waves

5% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 12 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong wind

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 Deerwood flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

Disasters that hit Deerwood

Federal disasters declared here

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

Brought FEMA money into DeerwoodDeclared for Montgomery County only

Montgomery County has had 31 natural disasters declared since 1953, most often fires and hurricanes.

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. Deerwood 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 Deerwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to Deerwood. 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.