Natural hazards · Goldthwaite

Goldthwaite, TX natural hazards

Most of the natural-hazard damage FEMA expects in Goldthwaite comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Goldthwaite?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Goldthwaite to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes19%Cold waves9%Hail9%Wildfire6%Strong wind5%Everything else10%

By hazard

What Goldthwaite faces

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

Inland flooding

42% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

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

Recorded about once every 9 years in the area

Cold waves

9% of expected damage

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

Recorded about once a year in the area

Hail

9% of expected damage

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

Recorded about 5 times a year in the area

Wildfire

6% of expected damage

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

Strong wind

5% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesEarthquakesLandslidesLightningDrought

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 Goldthwaite flood?

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

of all homes
are insured

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

Insurance rates: Mills County.

Disasters that hit Goldthwaite

Federal disasters declared here

None of the disasters declared for Mills County shows FEMA aid or repair money reaching Goldthwaite itself in FEMA’s records.

Brought FEMA money into GoldthwaiteDeclared for Mills County only

Mills County has had 13 natural disasters declared since 1953, most often fires 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. Goldthwaite 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 Goldthwaite’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Goldthwaite. 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.

Goldthwaite, TX natural hazards

How exposed is Goldthwaite?

What Goldthwaite faces

Inland flooding

Tornadoes

Cold waves

Hail

Wildfire

Strong wind

Lower here

Not a risk here

Does Goldthwaite flood?

Federal disasters declared here

How to read this page

Where to, neighbor?

Matches

Nearby