Natural hazards · Prosper

Prosper, TX natural hazards

Most of the natural-hazard damage FEMA expects in Prosper comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2018. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Prosper?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Prosper to be higher than in 50% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes51%Inland flooding26%Hail16%Everything else8%

By hazard

What Prosper faces

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

Tornadoes

51% of expected damage

Well above average · higher than 84% of U.S. places

Inland flooding

26% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Hail

16% of expected damage

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

Recorded about 10 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 Prosper flood?

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

1paid claims since 2018

$7Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Collin County.

What’s been done with FEMA grants

19storm safe rooms built

Disasters that hit Prosper

2 federal disasters brought FEMA money here

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

Brought FEMA money into ProsperDeclared for Collin County only

2024

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

40 households applied for aid $17K aid approved

2021

Severe Winter Storms

169 households applied for aid $56K aid approved $75K to the Town of Prosper for repairs

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

Around Prosper

Prosper and the towns around it

Very lowLowModerateHighVery high

Celinamostly tornadoesModerate

McKinneymostly tornadoesModerate

Prospermostly tornadoesModerate

Friscomostly tornadoesModerate

Little Elmmostly tornadoesModerate

Savannahmostly 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. Prosper covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Prosper’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Prosper. 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 Prosper total about $21.6M 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.