Natural hazards · Marshall

Marshall, TX natural hazards

Most of the natural-hazard damage FEMA expects in Marshall comes from tornadoes, and overall the risk is low for a U.S. community. Flood insurance has paid 27 claims here since 1991. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Marshall?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Marshall to be higher than in 24% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes28%Inland flooding20%Cold waves19%Heat waves10%Ice storms10%Hail5%Everything else8%

By hazard

What Marshall faces

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

Tornadoes

28% of expected damage

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

Recorded about once every 99 years in the area

Inland flooding

20% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about 2 times a year in the area

Cold waves

19% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Heat waves

10% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 20 times a year in the area

Ice storms

10% of expected damage

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

Recorded about 2 times a year in the area

Hail

5% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Marshall flood?

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

27paid claims since 1991

$935Kpaid to owners

3homes flooded more than once

19912026

Biggest named events

2026-06-Arthur-TS: 2 claims, $118K

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

Insurance rates: Harrison County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Marshall

8 federal disasters brought FEMA money here

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

Brought FEMA money into MarshallDeclared for Harrison County only

2021

Severe Winter Storms

876 households applied for aid $690K aid approved

2016

Severe Storms, Tornadoes, and Flooding

57 households applied for aid $67K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

143 households applied for aid $107K aid approved $95K to the City of Marshall for repairs

2011

Wildfires

2 households applied for aid

2008

Hurricane Ike

152 households applied for aid $47K aid approved $202K to the City of Marshall for repairs

2005

Hurricane Rita

2 households applied for aid $2K aid approved $60K to the City of Marshall for repairs

2005

Hurricane Katrina Evacuation

$35K to the City of Marshall for repairs

2000

Severe Winter Ice Storm

$105K to the City of Marshall for repairs

Harrison County has had 21 natural disasters declared since 1953, most often hurricanes and floods.

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. Marshall covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Marshall’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Marshall. 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 Marshall total about $4.8M 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.