Natural hazards · Melissa

Melissa, TX natural hazards

Most of the natural-hazard damage FEMA expects in Melissa comes from tornadoes, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Melissa?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Melissa to be higher than in 58% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes61%Inland flooding20%Hail13%Everything else7%

By hazard

What Melissa faces

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

Tornadoes

61% of expected damage

Well above average · higher than 77% of U.S. places

Inland flooding

20% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 2 times a year in the area

Hail

13% of expected damage

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

Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Melissa flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Collin County.

What’s been done with FEMA grants

7storm safe rooms built

Disasters that hit Melissa

2 federal disasters brought FEMA money here

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

Brought FEMA money into MelissaDeclared for Collin County only

2024

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

33 households applied for aid $12K aid approved

2021

Severe Winter Storms

112 households applied for aid $21K aid approved

Collin County has had 15 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Melissa

Melissa and the towns around it

Very lowLowModerateHighVery high

Annamostly tornadoesHigh

Melissamostly tornadoesModerate

McKinneymostly tornadoesModerate

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. Melissa covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Melissa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Melissa. 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 Melissa total about $2.8M 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.