Natural hazards · Marlin

Marlin, TX natural hazards

Most of the natural-hazard damage FEMA expects in Marlin comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1987. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Marlin?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Marlin to be higher than in 13% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding38%Tornadoes32%Cold waves11%Heat waves6%Everything else14%

By hazard

What Marlin faces

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

Inland flooding

38% of expected damage

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

Recorded about once a year in the area

Tornadoes

32% of expected damage

Well above average · higher than 86% of U.S. places

Cold waves

11% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 2 years in the area

Heat waves

6% of expected damage

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

Recorded about 16 times a year in the area

Lower here

HurricanesHailIce 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 Marlin flood?

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

3paid claims since 1987

$111Kpaid to owners

0homes flooded more than once

19872026

of all homes
are insured

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

Insurance rates: Falls County.

Disasters that hit Marlin

2 federal disasters brought FEMA money here

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

Brought FEMA money into MarlinDeclared for Falls County only

2024

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

787 households applied for aid $1.6M aid approved $271K to the City of Marlin for repairs

2021

Severe Winter Storms

311 households applied for aid $174K aid approved $27K to the City of Marlin for repairs

Falls County has had 12 natural disasters declared since 1953, most often floods 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. Marlin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Marlin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Marlin. 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 Marlin total about $1.1M 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.