Natural hazards · Milano

Milano, TX natural hazards

Most of the natural-hazard damage FEMA expects in Milano comes from inland flooding, and overall the risk is low 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 Milano?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Milano to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes21%Cold waves12%Hurricanes11%Hail5%Everything else12%

By hazard

What Milano 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 28% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

21% of expected damage

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

Recorded about once every 8 years in the area

Cold waves

12% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

11% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 14 years in the area

Hail

5% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 3 times a year in the area

Lower here

Ice stormsWinter weatherHeat 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 Milano flood?

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

of all homes
are insured

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

Insurance rates: Milam County.

Disasters that hit Milano

2 federal disasters brought FEMA money here

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

Brought FEMA money into MilanoDeclared for Milam County only

2021

Severe Winter Storms

14 households applied for aid $20K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid $8K aid approved

Milam County has had 18 natural disasters declared since 1953, most often hurricanes 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. Milano 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 Milano’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Milano. 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.