Natural hazards · Hillsboro

Hillsboro, TX natural hazards

Most of the natural-hazard damage FEMA expects in Hillsboro comes from cold waves, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hillsboro?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hillsboro to be higher than in 29% of U.S. communities, mostly from cold waves and tornadoes.

Cold waves45%Tornadoes25%Inland flooding16%Everything else14%

By hazard

What Hillsboro faces

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

Cold waves

45% of expected damage

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

Recorded about once a year in the area

Tornadoes

25% of expected damage

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

Inland flooding

16% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Hillsboro flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hill County.

Disasters that hit Hillsboro

2 federal disasters brought FEMA money here

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

Brought FEMA money into HillsboroDeclared for Hill County only

2021

Severe Winter Storms

116 households applied for aid $140K aid approved

2005

Hurricane Katrina Evacuation

$26K to the City of Hillsboro for repairs

Hill County has had 20 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. Hillsboro covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Hillsboro’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hillsboro. 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 Hillsboro total about $4.6M 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.