Natural hazards · Harrold

Harrold, TX natural hazards

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

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

Expected damage

How exposed is Harrold?

Low

vs. U.S. communities

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

Drought81%Everything else19%

By hazard

What Harrold faces

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

Drought

81% of expected damage

Recorded about 151 times a year in the area

Lower here

Inland floodingHurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

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

Flood insurance claims

Does Harrold flood?

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

of all homes
are insured

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

Insurance rates: Wilbarger County.

Disasters that hit Harrold

Federal disasters declared here

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

Brought FEMA money into HarroldDeclared for Wilbarger County only

Wilbarger County has had 13 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. Harrold 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 Harrold’s own flood-insurance community; household aid to the registrant’s city; repair grants to Harrold. 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.