Natural hazards · Gruver

Gruver, TX natural hazards

Most of the natural-hazard damage FEMA expects in Gruver comes from drought, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Gruver?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gruver to be higher than in 43% of U.S. communities, mostly from drought and cold waves.

Drought59%Cold waves27%Everything else14%

By hazard

What Gruver faces

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

Drought

59% of expected damage

Recorded about 98 times a year in the area

Cold waves

27% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 times a year in the area

Lower here

Inland floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Gruver flood?

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

of all homes
are insured

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

Insurance rates: Hansford County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Gruver

Federal disasters declared here

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

Brought FEMA money into GruverDeclared for Hansford County only

Hansford County has had 9 natural disasters declared since 1953, most often fires 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. Gruver 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 Gruver’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gruver. 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.