Natural hazards · Plains

Plains, TX natural hazards

Most of the natural-hazard damage FEMA expects in Plains comes from drought, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2004.

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

Expected damage

How exposed is Plains?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Plains to be higher than in 53% of U.S. communities, mostly from drought and hail.

Drought41%Hail17%Inland flooding15%Cold waves13%Wildfire6%Everything else9%

By hazard

What Plains faces

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

Drought

41% of expected damage

Recorded about 79 times a year in the area

Hail

17% of expected damage

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

Recorded about 4 times a year in the area

Inland flooding

15% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once every 2 years in the area

Cold waves

13% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once a year in the area

Wildfire

6% of expected damage

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

Lower here

HurricanesTornadoesIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightning

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 Plains flood?

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

1paid claims since 2004

$6Kpaid to owners

0homes flooded more than once

20042026

of all homes
are insured

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

Insurance rates: Yoakum County.

Disasters that hit Plains

Federal disasters declared here

None of the disasters declared for Yoakum County shows FEMA aid or repair money reaching Plains itself in FEMA’s records.

Brought FEMA money into PlainsDeclared for Yoakum County only

Yoakum County has had 8 natural disasters declared since 1953, most often fires and hurricanes.

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