Natural hazards · Italy

Italy, TX natural hazards

Most of the natural-hazard damage FEMA expects in Italy comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2015. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Italy?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Italy to be higher than in 24% of U.S. communities, mostly from inland flooding.

Inland flooding55%Cold waves13%Tornadoes12%Hail7%Heat waves6%Everything else8%

By hazard

What Italy faces

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

Inland flooding

55% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 2 times a year in the area

Cold waves

13% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once a year in the area

Tornadoes

12% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 8 years in the area

Hail

7% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 7 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 17 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 Italy flood?

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

1paid claims since 2015

$8Kpaid to owners

0homes flooded more than once

20152026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ellis County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Italy

3 federal disasters brought FEMA money here

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

Brought FEMA money into ItalyDeclared for Ellis County only

2024

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

13 households applied for aid $38K aid approved

2021

Severe Winter Storms

38 households applied for aid $18K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

14 households applied for aid $16K aid approved $54K to the Town of Italy for repairs

Ellis County has had 19 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. Italy 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 Italy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Italy. 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.