Natural hazards · Meridian

Meridian, TX natural hazards

Most of the natural-hazard damage FEMA expects in Meridian comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 13 claims here since 1991. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Meridian?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Meridian to be higher than in 21% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes26%Lightning12%Cold waves8%Everything else15%

By hazard

What Meridian 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

Well below average · higher than 23% of U.S. places

Recorded about once a year in the area

Tornadoes

26% of expected damage

Well above average · higher than 78% of U.S. places

Lightning

12% of expected damage

Above average · higher than 55% of U.S. places

Cold waves

8% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDrought

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 Meridian flood?

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

13paid claims since 1991

$178Kpaid to owners

1homes flooded more than once

19912026

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

Insurance rates: Bosque County.

Disasters that hit Meridian

2 federal disasters brought FEMA money here

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

Brought FEMA money into MeridianDeclared for Bosque County only

2021

Severe Winter Storms

16 households applied for aid $15K aid approved

2007

Severe Storms, Tornadoes, and Flooding

$26K to the City of Meridian for repairs

Bosque County has had 19 natural disasters declared since 1953, most often fires and severe storms.

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. Meridian covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Meridian’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Meridian. 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 Meridian total about $639K 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.