Natural hazards · Howe
Howe, TX natural hazards
Most of the natural-hazard damage FEMA expects in Howe comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 2009. 4 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsExpected damage
How exposed is Howe?
Very low
vs. U.S. communitiesFEMA expects yearly storm and flood damage to homes and buildings in Howe to be higher than in 16% of U.S. communities, mostly from inland flooding and tornadoes.
Inland flooding43%Tornadoes22%Cold waves10%Heat waves9%Hail7%Everything else10%
By hazard
What Howe 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
Well below average · higher than 22% of U.S. places
Recorded about 2 times a year in the area
Tornadoes
22% of expected damage
Above average · higher than 58% of U.S. places
Recorded about once every 17 years in the area
Cold waves
10% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once a year in the area
Heat waves
9% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 16 times a year in the area
Hail
7% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about 9 times 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 Howe flood?
Every paid claim on a federal flood insurance policy in Howe, from FEMA’s records.
3paid claims since 2009
$56Kpaid to owners
0homes flooded more than once
20092026
of homes in flood zones
are insured
are insured
of all homes
are insured
are insured
No community discount. Howe isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Grayson County.
What’s been done with FEMA grants
18storm safe rooms built
Disasters that hit Howe
4 federal disasters brought FEMA money here
Disasters the President declared that paid out in Howe itself: aid to households, or repair grants to the Town of Howe.
Brought FEMA money into HoweDeclared for Grayson County only
2021
Severe Winter Storms
26 households applied for aid $12K aid approved
2015
Severe Storms, Tornadoes, Straight-Line Winds and Flooding
14 households applied for aid $341 aid approved
2007
Severe Storms, Tornadoes, and Flooding
18 households applied for aid $14K aid approved $11K to the Town of Howe for repairs
2000
Severe Winter Ice Storm
$49K to the Town of Howe for repairs
Grayson County has had 16 natural disasters declared since 1953, most often severe storms and fires.
Around Howe