Natural hazards · Gatesville

Gatesville, TX natural hazards

Most of the natural-hazard damage FEMA expects in Gatesville comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 1998. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gatesville?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gatesville to be higher than in 14% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes30%Cold waves14%Everything else19%

By hazard

What Gatesville faces

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

Inland flooding

37% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

30% of expected damage

Above average · higher than 74% of U.S. places

Cold waves

14% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Gatesville flood?

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

2paid claims since 1998

$17Kpaid to owners

0homes flooded more than once

19982026

Biggest named events

Texas Spring Flooding: 1 claim, $17K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Coryell County.

Disasters that hit Gatesville

5 federal disasters brought FEMA money here

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

Brought FEMA money into GatesvilleDeclared for Coryell County only

2024

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

203 households applied for aid $917K aid approved $1.2M to the City of Gatesville for repairs

2021

Severe Winter Storms

172 households applied for aid $116K aid approved

2018

Severe Storms and Flooding

$62K to the City of Gatesville for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

$103K to the City of Gatesville for repairs

2007

Severe Storms, Tornadoes, and Flooding

47 households applied for aid $104K aid approved $10K to the City of Gatesville for repairs

Coryell County has had 18 natural disasters declared since 1953, most often fires 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. Gatesville covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Gatesville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gatesville. 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 Gatesville total about $2.6M 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.