Natural hazards · Flower Mound

Flower Mound, TX natural hazards

Most of the natural-hazard damage FEMA expects in Flower Mound comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 35 claims here since 1981. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Flower Mound?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flower Mound to be higher than in 48% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes37%Hail13%Heat waves5%Everything else6%

By hazard

What Flower Mound faces

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

Inland flooding

39% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

37% of expected damage

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

Hail

13% of expected damage

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

Recorded about 10 times a year in the area

Heat waves

5% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 18 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong 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 Flower Mound flood?

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

35paid claims since 1981

$1.0Mpaid to owners

6homes flooded more than once

19812026

Biggest named events

Early summer storms: 2 claims, $41K
Tropical Storm Bill: 1 claim, $17K
Thunderstorms: 1 claim, $20K

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

🏷️ 10% off flood insurance. Flower Mound is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Denton County.

What’s been done with FEMA grants

30storm safe rooms built

Disasters that hit Flower Mound

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Flower Mound itself: aid to households, or repair grants to the Town of Flower Mound.

Brought FEMA money into Flower MoundDeclared for Denton County only

2024

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

63 households applied for aid $104K aid approved

2021

Severe Winter Storms

329 households applied for aid $70K aid approved $81K to the Town of Flower Mound for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

16 households applied for aid $27K aid approved $198K to the Town of Flower Mound for repairs

2007

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $6K aid approved

2007

Severe Storms and Tornadoes

10 households applied for aid $170 aid approved

Denton County has had 19 natural disasters declared since 1953, most often severe storms and fires.

Around Flower Mound

Flower Mound and the towns around it

Very lowLowModerateHighVery high

Highland Villagemostly tornadoesModerate

Argylemostly inland floodingModerate

Flower Moundmostly inland floodingModerate

Lewisvillemostly tornadoesModerate

Copper Canyonmostly inland floodingModerate

Double Oakmostly inland floodingModerate

Grapevinemostly inland floodingModerate

Northlakemostly inland floodingLow

Bartonvillemostly tornadoesLow

Roanokemostly 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. Flower Mound covers 18 census tracts, combined by population.

Money that reached townFlood claims are matched to Flower Mound’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Flower Mound. 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 Flower Mound total about $31.2M 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.