Natural hazards · Josephine

Josephine, TX natural hazards

Most of the natural-hazard damage FEMA expects in Josephine comes from tornadoes, and overall the risk is moderate 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 Josephine?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Josephine to be higher than in 54% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes63%Inland flooding20%Hail11%Everything else7%

By hazard

What Josephine faces

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

Tornadoes

63% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 29 years in the area

Inland flooding

20% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Hail

11% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat 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 Josephine flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Collin County.

Disasters that hit Josephine

2 federal disasters brought FEMA money here

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

Brought FEMA money into JosephineDeclared for Collin County only

2024

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

8 households applied for aid $4K aid approved

2021

Severe Winter Storms

11 households applied for aid $6K aid approved

Collin County has had 15 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. Josephine 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 Josephine’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Josephine. 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.