Natural hazards · Eureka

Eureka, TX natural hazards

Most of the natural-hazard damage FEMA expects in Eureka comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Eureka?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eureka to be higher than in 14% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes31%Cold waves11%Strong wind5%Heat waves5%Everything else11%

By hazard

What Eureka faces

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

Inland flooding

37% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

31% of expected damage

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

Recorded about once every 7 years in the area

Cold waves

11% of expected damage

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

Recorded about once every 2 years in the area

Strong wind

5% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 3 times a year in the area

Heat waves

5% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 16 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Eureka flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Navarro County.

Disasters that hit Eureka

Federal disasters declared here

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

Brought FEMA money into EurekaDeclared for Navarro County only

Navarro County has had 21 natural disasters declared since 1953, most often severe storms and fires.

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