Natural hazards · Frost

Frost, TX natural hazards

Most of the natural-hazard damage FEMA expects in Frost comes from tornadoes, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Frost?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frost to be higher than in 24% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes31%Inland flooding31%Cold waves13%Heat waves6%Strong wind6%Everything else14%

By hazard

What Frost faces

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

Tornadoes

31% of expected damage

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

Recorded about once every 7 years in the area

Inland flooding

31% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Cold waves

13% of expected damage

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

Recorded about once every 2 years in the area

Heat waves

6% of expected damage

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

Recorded about 16 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 4 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 Frost flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Frost 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.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Frost

3 federal disasters brought FEMA money here

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

Brought FEMA money into FrostDeclared for Navarro County only

2024

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

11 households applied for aid $107K aid approved

2021

Severe Winter Storms

24 households applied for aid $12K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

23 households applied for aid $20K aid approved

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