Natural hazards · Keene

Keene, TX natural hazards

Most of the natural-hazard damage FEMA expects in Keene comes from tornadoes, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2006. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Keene?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Keene to be higher than in 28% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes44%Inland flooding26%Cold waves11%Heat waves7%Wildfire5%Everything else7%

By hazard

What Keene faces

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

Tornadoes

44% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 89 years in the area

Inland flooding

26% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 3 times a year in the area

Cold waves

11% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Heat waves

7% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 17 times a year in the area

Wildfire

5% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Keene flood?

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

2paid claims since 2006

$35Kpaid to owners

1homes flooded more than once

20062026

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

Insurance rates: Johnson County.

Disasters that hit Keene

2 federal disasters brought FEMA money here

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

Brought FEMA money into KeeneDeclared for Johnson County only

2021

Severe Winter Storms

31 households applied for aid $17K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

5 households applied for aid $13K aid approved

Johnson County has had 14 natural disasters declared since 1953, most often fires 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. Keene 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 Keene’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Keene. 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.