Natural hazards · Overton

Overton, TX natural hazards

Most of the natural-hazard damage FEMA expects in Overton comes from inland flooding, and overall the risk is low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Overton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Overton to be higher than in 20% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding30%Tornadoes18%Strong wind15%Heat waves13%Cold waves11%Everything else14%

By hazard

What Overton faces

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

Inland flooding

30% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 24 years in the area

Strong wind

15% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 times a year in the area

Heat waves

13% of expected damage

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

Recorded about 20 times a year in the area

Cold waves

11% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter 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 Overton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rusk County.

Disasters that hit Overton

5 federal disasters brought FEMA money here

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

Brought FEMA money into OvertonDeclared for Rusk County only

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

60 households applied for aid $164K aid approved

2021

Severe Winter Storms

85 households applied for aid $41K aid approved $42K to the City of Overton for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

13 households applied for aid $35K aid approved

2008

Hurricane Ike

30 households applied for aid $8K aid approved $40K to the City of Overton for repairs

2005

Hurricane Rita

$8K to the City of Overton for repairs

Rusk County has had 21 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. Overton 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 Overton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Overton. 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.