Natural hazards · McGregor

McGregor, TX natural hazards

Most of the natural-hazard damage FEMA expects in McGregor comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2023. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is McGregor?

Very low

vs. U.S. communities

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

Inland flooding39%Tornadoes30%Cold waves13%Heat waves7%Everything else11%

By hazard

What McGregor faces

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

Inland flooding

39% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

30% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 25 years in the area

Cold waves

13% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Heat waves

7% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 17 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 McGregor flood?

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

2paid claims since 2023

$60Kpaid to owners

0homes flooded more than once

20232026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McLennan County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit McGregor

1 federal disaster brought FEMA money here

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

Brought FEMA money into McGregorDeclared for McLennan County only

2021

Severe Winter Storms

13 households applied for aid $6K aid approved

McLennan County has had 18 natural disasters declared since 1953, most often severe storms and hurricanes.

Around McGregor

McGregor and the towns around it

Very lowLowModerateHighVery high

McGregormostly inland floodingVery low

Wacomostly 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. McGregor covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to McGregor’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of McGregor. 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 McGregor total about $2.4M 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.