Natural hazards · Hart

Hart, TX natural hazards

Most of the natural-hazard damage FEMA expects in Hart 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 Hart?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hart to be higher than in 40% of U.S. communities, mostly from drought and hail.

Drought39%Hail20%Inland flooding17%Tornadoes10%Cold waves7%Everything else7%

By hazard

What Hart faces

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

Drought

39% of expected damage

Recorded about 104 times a year in the area

Hail

20% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 7 times a year in the area

Inland flooding

17% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 3 years in the area

Cold waves

7% of expected damage

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

Recorded about 2 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Hart flood?

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

of all homes
are insured

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

Insurance rates: Castro County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Hart

Federal disasters declared here

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

Brought FEMA money into HartDeclared for Castro County only

Castro County has had 10 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. Hart 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 Hart’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hart. 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.