Natural hazards · McLendon-Chisholm

McLendon-Chisholm, TX natural hazards

Most of the natural-hazard damage FEMA expects in McLendon-Chisholm comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2015. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is McLendon-Chisholm?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in McLendon-Chisholm to be higher than in 53% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes28%Hail9%Heat waves7%Cold waves6%Everything else6%

By hazard

What McLendon-Chisholm faces

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

Inland flooding

44% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once a year in the area

Tornadoes

28% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 57 years in the area

Hail

9% of expected damage

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

Recorded about 8 times a year in the area

Heat waves

7% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 18 times a year in the area

Cold waves

6% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesIce 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 McLendon-Chisholm flood?

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

1paid claims since 2015

$98Kpaid to owners

0homes flooded more than once

20152026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rockwall County.

Disasters that hit McLendon-Chisholm

1 federal disaster brought FEMA money here

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

Brought FEMA money into McLendon-ChisholmDeclared for Rockwall County only

2024

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

$49K to the City of McLendon-Chisholm for repairs

Rockwall County has had 12 natural disasters declared since 1953, most often severe storms 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. McLendon-Chisholm covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to McLendon-Chisholm’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of McLendon-Chisholm. 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 McLendon-Chisholm total about $2.0M 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.