Natural hazards · Fate

Fate, TX natural hazards

Most of the natural-hazard damage FEMA expects in Fate comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2018. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fate?

Moderate

vs. U.S. communities

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

Tornadoes38%Inland flooding28%Heat waves12%Cold waves10%Hail7%Everything else6%

By hazard

What Fate faces

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

Tornadoes

38% of expected damage

Well above average · higher than 90% of U.S. places

Inland flooding

28% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Heat waves

12% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 18 times a year in the area

Cold waves

10% of expected damage

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

Recorded about once a year in the area

Hail

7% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Fate flood?

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

2paid claims since 2018

$640Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rockwall County.

What’s been done with FEMA grants

10storm safe rooms built

Disasters that hit Fate

2 federal disasters brought FEMA money here

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

Brought FEMA money into FateDeclared for Rockwall County only

2024

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

1 household applied for aid $1K aid approved

2021

Severe Winter Storms

53 households applied for aid $11K aid approved $13K to the City of Fate for repairs

Rockwall County has had 12 natural disasters declared since 1953, most often severe storms and fires.

Around Fate

Fate and the towns around it

Very lowLowModerateHighVery high

Fatemostly tornadoesModerate

Royse Citymostly tornadoesModerate

Rockwallmostly tornadoesModerate

Mobile Citymostly 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. Fate covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Fate’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Fate. 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 Fate total about $5.5M 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.