Natural hazards · Florence

Florence, TX natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 8 claims here since 1997. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Florence?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florence to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding54%Tornadoes12%Hail10%Cold waves10%Wildfire7%Everything else6%

By hazard

What Florence faces

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

Inland flooding

54% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 30 years in the area

Hail

10% of expected damage

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

Recorded about 4 times a year in the area

Cold waves

10% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 2 years in the area

Wildfire

7% of expected damage

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

Lower here

HurricanesIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Florence flood?

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

8paid claims since 1997

$180Kpaid to owners

1homes flooded more than once

19972026

Biggest named events

Fall severe storms: 1 claim, $31K
Thunderstorms: 1 claim, $50K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Williamson County.

Disasters that hit Florence

4 federal disasters brought FEMA money here

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

Brought FEMA money into FlorenceDeclared for Williamson County only

2025

Severe Storms, Straight-Line Winds, and Flooding

5 households applied for aid $38K aid approved

2021

Severe Winter Storms

65 households applied for aid $39K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid $5K aid approved $20K to the City of Florence for repairs

2007

Severe Storms, Tornadoes, and Flooding

14 households applied for aid $11K aid approved

Williamson County has had 21 natural disasters declared since 1953, most often fires 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. Florence 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 Florence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Florence. 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.