Natural hazards · Gallatin

Gallatin, TX natural hazards

Most of the natural-hazard damage FEMA expects in Gallatin comes from drought, 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 Gallatin?

Low

vs. U.S. communities

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

Drought27%Inland flooding25%Cold waves13%Strong wind8%Tornadoes8%Heat waves7%Everything else12%

By hazard

What Gallatin faces

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

Drought

27% of expected damage

Recorded about 23 times a year in the area

Inland flooding

25% of expected damage

Below average · higher than 27% of U.S. places

Recorded about 2 times a year in the area

Cold waves

13% of expected damage

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

Recorded about once a year in the area

Strong wind

8% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 14 years in the area

Heat waves

7% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 19 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 Gallatin flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cherokee County.

Disasters that hit Gallatin

3 federal disasters brought FEMA money here

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

Brought FEMA money into GallatinDeclared for Cherokee County only

2021

Severe Winter Storms

1 household applied for aid

2008

Hurricane Ike

5 households applied for aid

2007

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $1K aid approved

Cherokee County has had 22 natural disasters declared since 1953, most often hurricanes 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. Gallatin 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 Gallatin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gallatin. 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.