Natural hazards · Reno

Reno, TX natural hazards

Most of the natural-hazard damage FEMA expects in Reno comes from tornadoes, and overall the risk is low for a U.S. community. Flood insurance has paid 8 claims here since 1996. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Reno?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Reno to be higher than in 27% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes39%Inland flooding30%Cold waves11%Heat waves7%Wildfire7%Everything else6%

By hazard

What Reno faces

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

Tornadoes

39% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 98 years in the area

Inland flooding

30% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 2 times a year in the area

Cold waves

11% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Heat waves

7% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 15 times a year in the area

Wildfire

7% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherEarthquakesLandslidesStrong 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 Reno flood?

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

8paid claims since 1996

$70Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Parker County.

Disasters that hit Reno

1 federal disaster brought FEMA money here

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

Brought FEMA money into RenoDeclared for Parker County only

2021

Severe Winter Storms

2 households applied for aid

Parker County has had 20 natural disasters declared since 1953, most often floods and severe storms.

Around Reno

Reno and the towns around it

Very lowLowModerateHighVery high

Briarmostly inland floodingModerate

Renomostly 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. Reno covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Reno’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Reno. 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 Reno total about $1.4M 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.