Natural hazards · Ovilla

Ovilla, TX natural hazards

Most of the natural-hazard damage FEMA expects in Ovilla comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 1991. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ovilla?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ovilla to be higher than in 39% of U.S. communities, mostly from inland flooding.

Inland flooding52%Cold waves15%Tornadoes13%Heat waves8%Hail7%Everything else6%

By hazard

What Ovilla faces

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

Inland flooding

52% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 2 times a year in the area

Cold waves

15% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once a year in the area

Tornadoes

13% of expected damage

Above average · higher than 68% of U.S. places

Heat waves

8% of expected damage

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

Recorded about 17 times a year in the area

Hail

7% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 9 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Ovilla flood?

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

7paid claims since 1991

$569Kpaid to owners

0homes flooded more than once

19912026

Biggest named events

Dallas Flash Floods: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ellis County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Ovilla

2 federal disasters brought FEMA money here

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

Brought FEMA money into OvillaDeclared for Ellis County only

2024

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

7 households applied for aid $7K aid approved

2021

Severe Winter Storms

43 households applied for aid $9K aid approved $120K to the City of Ovilla for repairs

Ellis County has had 19 natural disasters declared since 1953, most often severe storms and fires.

Around Ovilla

Ovilla and the towns around it

Very lowLowModerateHighVery high

Oak Leafmostly inland floodingHigh

Glenn Heightsmostly heat wavesModerate

Cedar Hillmostly heat wavesModerate

Ovillamostly inland floodingLow

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. Ovilla 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 Ovilla’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ovilla. 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.