Ringgold’s biggest natural hazard is drought
Most of the natural-hazard damage FEMA expects in Ringgold comes from drought, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.
What stands out about Ringgold’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Ringgold flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Ringgold. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Ringgold isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montague County.How exposed is Ringgold?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 55% of U.S. communities, mostly from drought.
Rated higher than 1,160 of the 1,859 Texas towns we cover.
Ringgold is smaller than a census tract, so it shares the figures of the tract around its center.
What Ringgold faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Drought
Inland flooding
Tornadoes
Wildfire
2 federal disasters brought FEMA money to Ringgold
Disasters that paid out in Ringgold itself (aid to households or repair grants to Ringgold) and its biggest flood years.
- 2015Severe Storms, Tornadoes, Straight-Line Winds and Flooding1 household applied for aid$4K aid approved
- 2005Extreme Wildfire Threat31 households applied for aid$171K aid approved
Montague County has had 17 natural disasters declared since 1953, most often severe storms and fires.
Old photos of Ringgold after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ringgold archive →Get ready for what Ringgold actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- On a well? Know how deep it is and watch for sputtering.
- Follow the town’s watering limits.
- Fix drips: they add up.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in August–September
The month each of Montague County’s 17 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Ringgold’s own flood-insurance community; household aid to the registrant’s city; repair grants to Ringgold.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Ringgold.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.