Natural hazards · Mertzon

Mertzon, TX natural hazards

Most of the natural-hazard damage FEMA expects in Mertzon comes from wildfires, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2021.

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

Expected damage

How exposed is Mertzon?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mertzon to be higher than in 77% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire33%Inland flooding27%Drought15%Hail8%Strong wind7%Everything else10%

By hazard

What Mertzon faces

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

Wildfire

33% of expected damage

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

Inland flooding

27% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Drought

15% of expected damage

Recorded about 50 times a year in the area

Hail

8% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

7% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesTornadoesIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesLightning

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 Mertzon flood?

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

1paid claims since 2021

$13Kpaid to owners

0homes flooded more than once

20212026

of all homes
are insured

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

Insurance rates: Irion County.

Disasters that hit Mertzon

Federal disasters declared here

None of the disasters declared for Irion County shows FEMA aid or repair money reaching Mertzon itself in FEMA’s records.

Brought FEMA money into MertzonDeclared for Irion County only

Irion County has had 9 natural disasters declared since 1953, most often fires and hurricanes.

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. Mertzon is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Mertzon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mertzon. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.