Natural hazards · Garwood

Garwood, TX natural hazards

Most of the natural-hazard damage FEMA expects in Garwood comes from drought, and overall the risk is moderate 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 Garwood?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garwood to be higher than in 50% of U.S. communities, mostly from drought and hurricanes.

Drought34%Hurricanes22%Inland flooding21%Cold waves10%Tornadoes7%Everything else6%

By hazard

What Garwood faces

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

Drought

34% of expected damage

Recorded about 49 times a year in the area

Hurricanes

22% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 10 years in the area

Inland flooding

21% of expected damage

Below average · higher than 30% of U.S. places

Recorded about once a year in the area

Cold waves

10% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

7% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 6 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Garwood flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Colorado County.

Disasters that hit Garwood

2 federal disasters brought FEMA money here

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

Brought FEMA money into GarwoodDeclared for Colorado County only

2021

Severe Winter Storms

23 households applied for aid $20K aid approved

2017

Hurricane Harvey

40 households applied for aid $39K aid approved

Colorado County has had 16 natural disasters declared since 1953, most often hurricanes and floods.

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