Natural hazards · Pilot Point

Pilot Point, TX natural hazards

Most of the natural-hazard damage FEMA expects in Pilot Point comes from tornadoes, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2007. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pilot Point?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pilot Point to be higher than in 26% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes45%Inland flooding24%Hail15%Heat waves6%Everything else11%

By hazard

What Pilot Point faces

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

Tornadoes

45% of expected damage

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

Recorded about once every 35 years in the area

Inland flooding

24% of expected damage

Well below average · higher than 8% of U.S. places

Recorded about 3 times a year in the area

Hail

15% of expected damage

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

Recorded about 10 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 18 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong 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 Pilot Point flood?

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

2paid claims since 2007

$26Kpaid to owners

1homes flooded more than once

20072026

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. Pilot Point isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Denton County.

What’s been done with FEMA grants

4storm safe rooms built

Disasters that hit Pilot Point

5 federal disasters brought FEMA money here

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

Brought FEMA money into Pilot PointDeclared for Denton County only

2024

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

73 households applied for aid $228K aid approved

2021

Severe Winter Storms

52 households applied for aid $36K aid approved $14K to the City of Pilot Point for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

10 households applied for aid $5K aid approved

2007

Severe Storms, Tornadoes, and Flooding

12 households applied for aid $39K aid approved $33K to the City of Pilot Point for repairs

2007

Severe Storms and Tornadoes

11 households applied for aid $69K aid approved

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

Around Pilot Point

Pilot Point and the towns around it

Very lowLowModerateHighVery high

Celinamostly tornadoesModerate

Aubreymostly tornadoesLow

Pilot Pointmostly tornadoesLow

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