Natural hazards · Double Oak

Double Oak, TX natural hazards

Most of the natural-hazard damage FEMA expects in Double Oak comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 15 claims here since 1989. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Double Oak?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Double Oak to be higher than in 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes34%Hail14%Everything else11%

By hazard

What Double Oak faces

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

Inland flooding

41% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

34% of expected damage

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

Hail

14% of expected damage

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

Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Double Oak flood?

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

15paid claims since 1989

$392Kpaid to owners

2homes flooded more than once

19892026

Biggest named events

Early summer storms: 1 claim, $45K
Thunderstorms: 1 claim, $66K

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

No community discount. Double Oak 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

3storm safe rooms built

Disasters that hit Double Oak

3 federal disasters brought FEMA money here

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

Brought FEMA money into Double OakDeclared for Denton County only

2024

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

5 households applied for aid $8K aid approved

2021

Severe Winter Storms

14 households applied for aid

2007

Severe Storms, Tornadoes, and Flooding

$15K to the Town of Double Oak for repairs

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

Around Double Oak

Double Oak and the towns around it

Very lowLowModerateHighVery high

Lantanamostly inland floodingModerate

Flower Moundmostly inland floodingModerate

Copper Canyonmostly inland floodingModerate

Double Oakmostly inland floodingModerate

Bartonvillemostly tornadoesLow

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. Double Oak covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Double Oak’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Double Oak. 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 Double Oak total about $2.1M 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.