Natural hazards · Kosse

Kosse, TX natural hazards

Most of the natural-hazard damage FEMA expects in Kosse comes from inland flooding, and overall the risk is very low 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 Kosse?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kosse to be higher than in 17% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves27%Tornadoes8%Hurricanes6%Everything else13%

By hazard

What Kosse faces

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

Inland flooding

46% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 2 times a year in the area

Cold waves

27% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

8% of expected damage

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

Recorded about once every 7 years in the area

Hurricanes

6% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 22 years in the area

Lower here

HailIce 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 Kosse flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Limestone County.

Disasters that hit Kosse

2 federal disasters brought FEMA money here

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

Brought FEMA money into KosseDeclared for Limestone County only

2024

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

4 households applied for aid $70K aid approved

2021

Severe Winter Storms

38 households applied for aid $17K aid approved

Limestone County has had 16 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. Kosse 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 Kosse’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Kosse. 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.