Natural hazards · Fruitvale

Fruitvale, TX natural hazards

Most of the natural-hazard damage FEMA expects in Fruitvale comes from drought, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fruitvale?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fruitvale to be higher than in 18% of U.S. communities, mostly from drought and inland flooding.

Drought33%Inland flooding21%Tornadoes13%Cold waves12%Strong wind6%Heat waves6%Everything else10%

By hazard

What Fruitvale faces

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

Drought

33% of expected damage

Recorded about 30 times a year in the area

Inland flooding

21% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about once a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 10 years in the area

Cold waves

12% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 4 times a year in the area

Heat waves

6% of expected damage

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

Recorded about 16 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Fruitvale flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Van Zandt County.

Disasters that hit Fruitvale

2 federal disasters brought FEMA money here

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

Brought FEMA money into FruitvaleDeclared for Van Zandt County only

2024

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

21 households applied for aid $54K aid approved

2021

Severe Winter Storms

12 households applied for aid $15K aid approved

Van Zandt County has had 16 natural disasters declared since 1953, most often severe storms and hurricanes.

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