Natural hazards · Pampa

Pampa, TX natural hazards

Most of the natural-hazard damage FEMA expects in Pampa comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1999. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pampa?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pampa to be higher than in 56% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes24%Inland flooding22%Cold waves18%Hail12%Strong wind8%Wildfire5%Everything else12%

By hazard

What Pampa faces

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

Tornadoes

24% of expected damage

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

Inland flooding

22% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once every 2 years in the area

Cold waves

18% of expected damage

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

Recorded about 2 times a year in the area

Hail

12% of expected damage

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

Recorded about 9 times a year in the area

Strong wind

8% of expected damage

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

Recorded about 3 times a year in the area

Wildfire

5% of expected damage

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

Lower here

HurricanesIce stormsWinter weatherHeat wavesEarthquakesLandslidesLightningDrought

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 Pampa flood?

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

3paid claims since 1999

$91Kpaid to owners

1homes flooded more than once

19992026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gray County.

What’s been done with FEMA grants

108storm safe rooms built

Disasters that hit Pampa

2 federal disasters brought FEMA money here

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

Brought FEMA money into PampaDeclared for Gray County only

2005

Extreme Wildfire Threat

5 households applied for aid $29K aid approved

2000

Severe Winter Ice Storm

$11K to the City of Pampa for repairs

Gray County has had 12 natural disasters declared since 1953, most often fires and ice storms.

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. Pampa covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Pampa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pampa. 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 Pampa total about $8.2M 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.