Natural hazards · Groesbeck

Groesbeck, TX natural hazards

Most of the natural-hazard damage FEMA expects in Groesbeck comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2009. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Groesbeck?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Groesbeck to be higher than in 30% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves40%Inland flooding30%Tornadoes11%Drought6%Everything else13%

By hazard

What Groesbeck faces

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

Cold waves

40% of expected damage

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

Recorded about once every 2 years in the area

Inland flooding

30% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once every 9 years in the area

Drought

6% of expected damage

Recorded about 40 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Groesbeck flood?

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

2paid claims since 2009

$19Kpaid to owners

0homes flooded more than once

20092026

Biggest named events

Spring Storm: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Limestone County.

Disasters that hit Groesbeck

1 federal disaster brought FEMA money here

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

Brought FEMA money into GroesbeckDeclared for Limestone County only

2021

Severe Winter Storms

121 households applied for aid $97K aid approved

Limestone County has had 16 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. Groesbeck 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 Groesbeck’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Groesbeck. 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.