Natural hazards · Denton

Denton, TX natural hazards

Most of the natural-hazard damage FEMA expects in Denton comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 107 claims here since 1981. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Denton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Denton to be higher than in 43% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes40%Inland flooding32%Hail14%Heat waves6%Everything else8%

By hazard

What Denton faces

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

Tornadoes

40% of expected damage

Well above average · higher than 91% of U.S. places

Inland flooding

32% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 3 times a year in the area

Hail

14% of expected damage

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

Recorded about 10 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 Denton flood?

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

107paid claims since 1981

$2.6Mpaid to owners

8homes flooded more than once

19812026

Biggest named events

Thunderstorms: 5 claims, $140K
Early summer storms: 1 claim, $19K
2026-06-Arthur-TS: 1 claim, $13K

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

🏷️ 25% off flood insurance. Denton is in FEMA’s Community Rating System (class 5) for its flood-proofing work.

Insurance rates: Denton County.

What’s been done with FEMA grants

27storm safe rooms built

Disasters that hit Denton

7 federal disasters brought FEMA money here

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

Brought FEMA money into DentonDeclared for Denton County only

2024

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

390 households applied for aid $298K aid approved

2021

Severe Winter Storms

1,037 households applied for aid $428K aid approved $11K to the City of Denton for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

55 households applied for aid $14K aid approved $129K to the City of Denton for repairs

2007

Severe Storms, Tornadoes, and Flooding

50 households applied for aid $69K aid approved

2007

Severe Storms and Tornadoes

263 households applied for aid $432K aid approved

2005

Hurricane Rita

$9K to the City of Denton for repairs

2005

Hurricane Katrina Evacuation

$335K to the City of Denton for repairs

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

Around Denton

Denton and the towns around it

Very lowLowModerateHighVery high

Shady Shoresmostly inland floodingModerate

Argylemostly inland floodingModerate

Corinthmostly tornadoesModerate

Dentonmostly tornadoesModerate

Krummostly tornadoesLow

Northlakemostly inland floodingLow

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. Denton covers 30 census tracts, combined by population.

Money that reached townFlood claims are matched to Denton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Denton. 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 Denton total about $50.2M 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.