Natural hazards · Heath

Heath, TX natural hazards

Most of the natural-hazard damage FEMA expects in Heath comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 7 claims here since 1988. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Heath?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Heath to be higher than in 52% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes29%Hail9%Heat waves8%Cold waves6%Everything else5%

By hazard

What Heath faces

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

Inland flooding

43% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once a year in the area

Tornadoes

29% of expected damage

Well above average · higher than 90% of U.S. places

Hail

9% of expected damage

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

Recorded about 8 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 18 times a year in the area

Cold waves

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once 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 Heath flood?

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

7paid claims since 1988

$43Kpaid to owners

2homes flooded more than once

19882026

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

Insurance rates: Rockwall County.

What’s been done with FEMA grants

6storm safe rooms built

Disasters that hit Heath

2 federal disasters brought FEMA money here

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

Brought FEMA money into HeathDeclared for Rockwall County only

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

13 households applied for aid $6K aid approved $75K to the City of Heath for repairs

2021

Severe Winter Storms

105 households applied for aid $63K aid approved

Rockwall County has had 12 natural disasters declared since 1953, most often severe storms and fires.

Around Heath

Heath and the towns around it

Very lowLowModerateHighVery high

Dallasmostly inland floodingModerate

Heathmostly inland floodingModerate

Travis Ranchmostly inland floodingModerate

Rockwallmostly tornadoesModerate

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. Heath covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Heath’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Heath. 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 Heath total about $4.5M 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.