Natural hazards · Hearne

Hearne, TX natural hazards

Most of the natural-hazard damage FEMA expects in Hearne comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 40 claims here since 2004. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hearne?

Low

vs. U.S. communities

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

Inland flooding49%Tornadoes20%Cold waves9%Hurricanes5%Drought5%Everything else13%

By hazard

What Hearne 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 49% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 55 years in the area

Cold waves

9% of expected damage

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

Recorded about once every 2 years in the area

Hurricanes

5% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 14 years in the area

Drought

5% of expected damage

Recorded about 37 times a year in the area

Lower here

HailIce 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 Hearne flood?

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

40paid claims since 2004

$1.4Mpaid to owners

0homes flooded more than once

20042026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Robertson County.

Disasters that hit Hearne

3 federal disasters brought FEMA money here

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

Brought FEMA money into HearneDeclared for Robertson County only

2023

Severe Winter Storm

$68K to the City of Hearne for repairs

2021

Severe Winter Storms

74 households applied for aid $65K aid approved $24K to the City of Hearne for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

$77K to the City of Hearne for repairs

Robertson County has had 14 natural disasters declared since 1953, most often hurricanes 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. Hearne 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 Hearne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hearne. 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.