Natural hazards · Gunter

Gunter, TX natural hazards

Most of the natural-hazard damage FEMA expects in Gunter comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 2007. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gunter?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gunter to be higher than in 33% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes19%Cold waves9%Heat waves9%Hail5%Everything else9%

By hazard

What Gunter faces

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

Inland flooding

49% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 7 years in the area

Cold waves

9% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Heat waves

9% of expected damage

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

Recorded about 16 times a year in the area

Hail

5% of expected damage

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

Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Gunter flood?

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

6paid claims since 2007

$93Kpaid to owners

1homes flooded more than once

20072026

Biggest named events

Thunderstorms: 3 claims, $47K

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

Insurance rates: Grayson County.

What’s been done with FEMA grants

22storm safe rooms built

Disasters that hit Gunter

4 federal disasters brought FEMA money here

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

Brought FEMA money into GunterDeclared for Grayson County only

2021

Severe Winter Storms

22 households applied for aid $16K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

5 households applied for aid $3K aid approved

2007

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $21K aid approved $20K to the City of Gunter for repairs

2005

Hurricane Rita

1 household applied for aid

Grayson County has had 16 natural disasters declared since 1953, most often severe storms and fires.

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. Gunter covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Gunter’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gunter. 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 Gunter total about $2.6M 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.