Natural hazards · Graham

Graham, TX natural hazards

Most of the natural-hazard damage FEMA expects in Graham comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 32 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Graham?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Graham to be higher than in 31% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes16%Strong wind11%Hail9%Heat waves8%Cold waves6%Everything else5%

By hazard

What Graham faces

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

Inland flooding

46% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

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

Strong wind

11% of expected damage

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

Recorded about 3 times a year in the area

Hail

9% of expected damage

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

Recorded about 8 times a year in the area

Heat waves

8% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 12 times a year in the area

Cold waves

6% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Graham flood?

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

32paid claims since 1978

$186Kpaid to owners

4homes flooded more than once

19782026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Young County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Graham

1 federal disaster brought FEMA money here

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

Brought FEMA money into GrahamDeclared for Young County only

2021

Severe Winter Storms

4 households applied for aid $11K aid approved

Young County has had 17 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. Graham covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Graham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Graham. 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 Graham total about $3.0M 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.