Natural hazards · Krum

Krum, TX natural hazards

Most of the natural-hazard damage FEMA expects in Krum comes from tornadoes, and overall the risk is low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Krum?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Krum to be higher than in 37% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes36%Inland flooding29%Hail15%Wildfire8%Heat waves5%Everything else7%

By hazard

What Krum faces

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

Tornadoes

36% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 62 years in the area

Inland flooding

29% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about 3 times a year in the area

Hail

15% of expected damage

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

Recorded about 10 times a year in the area

Wildfire

8% of expected damage

Well above average · higher than 95% of U.S. places

Heat waves

5% of expected damage

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

Recorded about 18 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesEarthquakesLandslidesStrong 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 Krum flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Denton County.

What’s been done with FEMA grants

4storm safe rooms built

Disasters that hit Krum

5 federal disasters brought FEMA money here

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

Brought FEMA money into KrumDeclared for Denton County only

2024

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

11 households applied for aid $3K aid approved

2021

Severe Winter Storms

51 households applied for aid $24K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

15 households applied for aid $74K aid approved $43K to the City of Krum for repairs

2007

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $22K aid approved

2007

Severe Storms and Tornadoes

5 households applied for aid $8K aid approved

Denton County has had 19 natural disasters declared since 1953, most often severe storms and fires.

Around Krum

Krum and the towns around it

Very lowLowModerateHighVery high

Dentonmostly tornadoesModerate

Krummostly tornadoesLow

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