Natural hazards · Hooks

Hooks, TX natural hazards

Most of the natural-hazard damage FEMA expects in Hooks comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 1990. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hooks?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hooks to be higher than in 62% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes20%Hail12%Heat waves7%Everything else18%

By hazard

What Hooks faces

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

Inland flooding

44% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 25 years in the area

Hail

12% of expected damage

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

Recorded about 5 times a year in the area

Heat waves

7% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 19 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold 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 Hooks flood?

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

9paid claims since 1990

$125Kpaid to owners

1homes flooded more than once

19902026

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

Insurance rates: Bowie County.

Disasters that hit Hooks

4 federal disasters brought FEMA money here

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

Brought FEMA money into HooksDeclared for Bowie County only

2024

Hurricane Beryl

59 households applied for aid $2K aid approved

2021

Severe Winter Storms

55 households applied for aid $40K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

17 households applied for aid $111K aid approved

2000

Severe Winter Ice Storm

$26K to the City of Hooks for repairs

Bowie County has had 21 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. Hooks covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Hooks’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hooks. 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 Hooks total about $2.4M 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.