Natural hazards · Jacksonville

Jacksonville, TX natural hazards

Most of the natural-hazard damage FEMA expects in Jacksonville comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1985. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Jacksonville?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jacksonville to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding37%Cold waves16%Tornadoes13%Strong wind12%Heat waves9%Everything else13%

By hazard

What Jacksonville faces

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

Inland flooding

37% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 2 times a year in the area

Cold waves

16% of expected damage

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

Recorded about once a year in the area

Tornadoes

13% of expected damage

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

Strong wind

12% of expected damage

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

Recorded about 4 times a year in the area

Heat waves

9% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 19 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Jacksonville flood?

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

5paid claims since 1985

$38Kpaid to owners

2homes flooded more than once

19852026

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

Insurance rates: Cherokee County.

Disasters that hit Jacksonville

7 federal disasters brought FEMA money here

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

Brought FEMA money into JacksonvilleDeclared for Cherokee County only

2024

Hurricane Beryl

1 household applied for aid $1K aid approved

2021

Severe Winter Storms

340 households applied for aid $185K aid approved $332K to the City of Jacksonville for repairs

2016

Severe Storms and Flooding

14 households applied for aid $25K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

176 households applied for aid $183K aid approved $318K to the City of Jacksonville for repairs

2008

Hurricane Ike

287 households applied for aid $282K aid approved $156K to the City of Jacksonville for repairs

2007

Severe Storms, Tornadoes, and Flooding

208 households applied for aid $369K aid approved $84K to the City of Jacksonville for repairs

2005

Hurricane Rita

$43K to the City of Jacksonville for repairs

Cherokee County has had 22 natural disasters declared since 1953, most often hurricanes and severe storms.

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. Jacksonville covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Jacksonville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Jacksonville. 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 Jacksonville total about $2.2M 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.