Natural hazards · Killeen

Killeen, TX natural hazards

Most of the natural-hazard damage FEMA expects in Killeen comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 90 claims here since 1980. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Killeen?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Killeen to be higher than in 30% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding36%Tornadoes30%Cold waves13%Hail8%Heat waves6%Everything else7%

By hazard

What Killeen faces

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

Inland flooding

36% of expected damage

Below average · higher than 32% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

30% of expected damage

Well above average · higher than 84% of U.S. places

Cold waves

13% of expected damage

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

Recorded about once every 2 years in the area

Hail

8% of expected damage

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

Recorded about 5 times a year in the area

Heat waves

6% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 15 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 Killeen flood?

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

90paid claims since 1980

$2.0Mpaid to owners

14homes flooded more than once

19802026

Biggest named events

Early summer storms: 7 claims, $198K
Thunderstorms: 2 claims, $29K
Fall severe storms: 1 claim, $15K

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

Insurance rates: Bell County.

What’s been done with FEMA grants

4flood-prone properties bought out and cleared

Disasters that hit Killeen

5 federal disasters brought FEMA money here

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

Brought FEMA money into KilleenDeclared for Bell County only

2024

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

1,345 households applied for aid $1.5M aid approved

2021

Severe Winter Storms

3,827 households applied for aid $633K aid approved $306K to the City of Killeen for repairs

2007

Severe Storms, Tornadoes, and Flooding

120 households applied for aid $120K aid approved

2005

Hurricane Rita

1 household applied for aid

2005

Hurricane Katrina Evacuation

$183K to the City of Killeen for repairs

Bell County has had 18 natural disasters declared since 1953, most often fires and floods.

Around Killeen

Killeen and the towns around it

Very lowLowModerateHighVery high

Killeenmostly inland floodingLow

Harker Heightsmostly inland floodingLow

Fort Cavazosmostly tornadoesVery low

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. Killeen covers 30 census tracts, combined by population.

Money that reached townFlood claims are matched to Killeen’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Killeen. 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 Killeen total about $33.9M 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.