Natural hazards · Kerens

Kerens, TX natural hazards

Most of the natural-hazard damage FEMA expects in Kerens comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Kerens?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kerens to be higher than in 23% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes28%Cold waves11%Everything else22%

By hazard

What Kerens faces

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

Inland flooding

39% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

28% of expected damage

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

Recorded about once every 7 years in the area

Cold waves

11% of expected damage

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

Recorded about once every 2 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Kerens flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Navarro County.

Disasters that hit Kerens

3 federal disasters brought FEMA money here

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

Brought FEMA money into KerensDeclared for Navarro County only

2024

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

24 households applied for aid $75K aid approved

2021

Severe Winter Storms

47 households applied for aid $26K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

72 households applied for aid $140K aid approved

Navarro County has had 21 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. Kerens 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 Kerens’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Kerens. 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.