Natural hazards · Emory

Emory, TX natural hazards

Most of the natural-hazard damage FEMA expects in Emory comes from tornadoes, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Emory?

Moderate

vs. U.S. communities

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

Tornadoes33%Inland flooding29%Ice storms11%Cold waves8%Heat waves6%Strong wind5%Everything else9%

By hazard

What Emory faces

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

Tornadoes

33% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 21 years in the area

Inland flooding

29% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once every 2 years in the area

Ice storms

11% of expected damage

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

Recorded about once a year in the area

Cold waves

8% of expected damage

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

Recorded about once a year in the area

Heat waves

6% of expected damage

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

Recorded about 16 times a year in the area

Strong wind

5% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesHailWinter weatherWildfireEarthquakesLandslidesLightning

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 Emory flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rains County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Emory

1 federal disaster brought FEMA money here

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

Brought FEMA money into EmoryDeclared for Rains County only

2021

Severe Winter Storms

1 household applied for aid $1K aid approved

Rains County has had 13 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. Emory 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 Emory’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Emory. 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.