Natural hazards · Elbert

Elbert, TX natural hazards

Most of the natural-hazard damage FEMA expects in Elbert comes from drought, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Elbert?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elbert to be higher than in 54% of U.S. communities, mostly from drought.

Drought50%Inland flooding15%Hail12%Tornadoes7%Wildfire7%Strong wind6%Everything else4%

By hazard

What Elbert faces

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

Drought

50% of expected damage

Recorded about 76 times a year in the area

Inland flooding

15% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once every 2 years in the area

Hail

12% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

7% of expected damage

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

Recorded about once every 2 years in the area

Wildfire

7% of expected damage

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

Strong wind

6% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesLightning

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 Elbert flood?

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

of all homes
are insured

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

Insurance rates: Throckmorton County.

Disasters that hit Elbert

Federal disasters declared here

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

Brought FEMA money into ElbertDeclared for Throckmorton County only

Throckmorton County has had 16 natural disasters declared since 1953, most often floods 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. Elbert 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 Elbert’s own flood-insurance community; household aid to the registrant’s city; repair grants to Elbert. 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.