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Natural hazards · Mount Vernon

Mount Vernon, TX natural hazards

Most of the natural-hazard damage FEMA expects in Mount Vernon comes from tornadoes, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

How exposed is Mount Vernon?

40
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Vernon to be higher than in 40% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes39%Inland flooding22%Cold waves10%Ice storms8%Strong wind7%Heat waves6%Everything else9%
By hazard

What Mount Vernon faces

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

Tornadoes

39% of expected damage
Well above average · higher than 97% of U.S. places

Inland flooding

22% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about once a year in the area

Cold waves

10% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about once a year in the area

Ice storms

8% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once a year in the area

Strong wind

7% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 5 times a year in the area

Heat waves

6% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 18 times a year in the area

Lower here

HurricanesWinter weatherWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Mount Vernon flood?

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

of all homes
are insured
No community discount. Mount Vernon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Franklin County.
Disasters that hit Mount Vernon

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Mount Vernon itself: aid to households, or repair grants to the Town of Mount Vernon.

Brought FEMA money into Mount VernonDeclared for Franklin County only
2000

Severe Winter Ice Storm

$6K to the Town of Mount Vernon for repairs
Franklin County has had 14 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. Mount Vernon covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Mount Vernon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Mount Vernon. 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 Mount Vernon total about $1.1M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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