Natural hazards · Kemp

Kemp, TX natural hazards

Most of the natural-hazard damage FEMA expects in Kemp comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Kemp?

Low

vs. U.S. communities

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

Inland flooding54%Tornadoes14%Heat waves10%Cold waves10%Hail8%Everything else5%

By hazard

What Kemp faces

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

Inland flooding

54% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 20 years in the area

Heat waves

10% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 17 times a year 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

Hail

8% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 7 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 Kemp flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kaufman County.

Disasters that hit Kemp

4 federal disasters brought FEMA money here

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

Brought FEMA money into KempDeclared for Kaufman County only

2024

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

163 households applied for aid $633K aid approved

2021

Severe Winter Storms

184 households applied for aid $202K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

16 households applied for aid $12K aid approved

2007

Severe Storms, Tornadoes, and Flooding

11 households applied for aid $8K aid approved $70K to the City of Kemp for repairs

Kaufman County has had 15 natural disasters declared since 1953, most often severe storms and hurricanes.

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. Kemp 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 Kemp’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Kemp. 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.