Natural hazards · Naples

Naples, TX natural hazards

Most of the natural-hazard damage FEMA expects in Naples 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 Naples?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Naples to be higher than in 46% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes35%Inland flooding23%Ice storms9%Hail9%Strong wind7%Heat waves6%Everything else11%

By hazard

What Naples faces

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

Tornadoes

35% of expected damage

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

Recorded about once every 9 years in the area

Inland flooding

23% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once every 3 years in the area

Ice storms

9% of expected damage

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

Recorded about once a year in the area

Hail

9% of expected damage

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

Recorded about 6 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 6 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 18 times a year in the area

Lower here

HurricanesWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

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 Naples flood?

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

of all homes
are insured

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

Insurance rates: Morris County.

Disasters that hit Naples

1 federal disaster brought FEMA money here

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

Brought FEMA money into NaplesDeclared for Morris County only

2000

Severe Winter Ice Storm

$4K to the City of Naples for repairs

Morris County has had 13 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. Naples 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 Naples’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Naples. 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.