Natural hazards · Graford

Graford, TX natural hazards

Most of the natural-hazard damage FEMA expects in Graford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2015. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Graford?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Graford to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding58%Wildfire9%Hail8%Tornadoes8%Cold waves5%Everything else12%

By hazard

What Graford faces

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

Inland flooding

58% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once a year in the area

Wildfire

9% of expected damage

Well above average · higher than 96% of U.S. places

Hail

8% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 8 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 5 years in the area

Cold waves

5% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Graford flood?

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

2paid claims since 2015

$10Kpaid to owners

0homes flooded more than once

20152026

Biggest named events

Fall severe storms: 1 claim, $9K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Palo Pinto County.

What’s been done with FEMA grants

5storm safe rooms built

Disasters that hit Graford

2 federal disasters brought FEMA money here

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

Brought FEMA money into GrafordDeclared for Palo Pinto County only

2021

Severe Winter Storms

23 households applied for aid $19K aid approved

2016

Severe Storms and Flooding

2 households applied for aid $3K aid approved

Palo Pinto County has had 23 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. Graford 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 Graford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Graford. 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.