Natural hazards · Pearsall

Pearsall, TX natural hazards

Most of the natural-hazard damage FEMA expects in Pearsall comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1980. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pearsall?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pearsall to be higher than in 33% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves23%Heat waves10%Tornadoes7%Everything else11%

By hazard

What Pearsall faces

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

Inland flooding

50% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 3 times a year in the area

Cold waves

23% of expected damage

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

Recorded about once every 3 years in the area

Heat waves

10% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 10 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 35 years in the area

Lower here

HurricanesHailIce 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 Pearsall flood?

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

2paid claims since 1980

$2Kpaid to owners

0homes flooded more than once

19802026

Biggest named events

Torrential rain: 1 claim, $450

of all homes
are insured

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

Insurance rates: Frio County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Pearsall

3 federal disasters brought FEMA money here

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

Brought FEMA money into PearsallDeclared for Frio County only

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

14 households applied for aid $2K aid approved

2003

Hurricane Claudette

165 households applied for aid $112K aid approved $23K to the City of Pearsall for repairs

2002

Severe Storms and Flooding

$16K to the City of Pearsall for repairs

Frio County has had 14 natural disasters declared since 1953, most often floods 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. Pearsall 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 Pearsall’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pearsall. 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.