Natural hazards · Grand Saline

Grand Saline, TX natural hazards

Most of the natural-hazard damage FEMA expects in Grand Saline comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1981. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Grand Saline?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grand Saline to be higher than in 21% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes18%Cold waves16%Strong wind8%Heat waves8%Everything else12%

By hazard

What Grand Saline 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 22% of U.S. places

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 75% of U.S. places

Cold waves

16% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Strong wind

8% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 4 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 16 times a year in the area

Lower here

HurricanesHailIce 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 Grand Saline flood?

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

5paid claims since 1981

$460Kpaid to owners

1homes flooded more than once

19812026

Biggest named events

Texas Spring Flooding: 1 claim, $150K

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. Grand Saline isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Van Zandt County.

Disasters that hit Grand Saline

4 federal disasters brought FEMA money here

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

Brought FEMA money into Grand SalineDeclared for Van Zandt County only

2024

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

103 households applied for aid $215K aid approved

2021

Severe Winter Storms

40 households applied for aid $37K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

3 households applied for aid $850 aid approved

2007

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $4K aid approved

Van Zandt County has had 16 natural disasters declared since 1953, most often severe storms and hurricanes.

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. Grand Saline covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Grand Saline’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Grand Saline. 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 Grand Saline total about $1.1M 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.