Natural hazards · Plano

Plano, TX natural hazards

Most of the natural-hazard damage FEMA expects in Plano comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 71 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Plano?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Plano to be higher than in 59% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes57%Inland flooding23%Hail14%Everything else6%

By hazard

What Plano faces

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

Tornadoes

57% of expected damage

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

Inland flooding

23% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 2 times a year in the area

Hail

14% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 9 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat 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 Plano flood?

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

71paid claims since 1979

$735Kpaid to owners

8homes flooded more than once

19792026

Biggest named events

Early summer storms: 5 claims, $254K
Early summer severe storms: 2 claims, $19K
Hurricane Ike: 1 claim, $2K

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

🏷️ 15% off flood insurance. Plano is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Collin County.

What’s been done with FEMA grants

67storm safe rooms built

Disasters that hit Plano

3 federal disasters brought FEMA money here

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

Brought FEMA money into PlanoDeclared for Collin County only

2024

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

966 households applied for aid $623K aid approved

2021

Severe Winter Storms

2,996 households applied for aid $891K aid approved $236K to the City of Plano for repairs

2005

Hurricane Katrina Evacuation

$5.1M to the City of Plano for repairs

Collin County has had 15 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Plano

Plano and the towns around it

Very lowLowModerateHighVery high

Parkermostly tornadoesHigh

Allenmostly tornadoesHigh

Murphymostly tornadoesHigh

Planomostly tornadoesModerate

Richardsonmostly tornadoesModerate

Dallasmostly inland floodingModerate

Friscomostly tornadoesModerate

Carrolltonmostly inland floodingModerate

Hebronmostly inland floodingModerate

The Colonymostly 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. Plano covers 72 census tracts, combined by population.

Money that reached townFlood claims are matched to Plano’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Plano. 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 Plano total about $201M 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.