Natural hazards · Roanoke

Roanoke, TX natural hazards

Most of the natural-hazard damage FEMA expects in Roanoke comes from tornadoes, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2010. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Roanoke?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roanoke to be higher than in 25% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes44%Inland flooding25%Hail15%Heat waves7%Everything else9%

By hazard

What Roanoke faces

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

Tornadoes

44% of expected damage

Well above average · higher than 91% of U.S. places

Inland flooding

25% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about 3 times a year in the area

Hail

15% of expected damage

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

Recorded about 10 times a year in the area

Heat waves

7% of expected damage

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

Recorded about 18 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold 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 Roanoke flood?

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

1paid claims since 2010

$8Kpaid to owners

0homes flooded more than once

20102026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Denton County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Roanoke

5 federal disasters brought FEMA money here

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

Brought FEMA money into RoanokeDeclared for Denton County only

2024

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

14 households applied for aid $8K aid approved

2021

Severe Winter Storms

262 households applied for aid $60K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

5 households applied for aid

2007

Severe Storms, Tornadoes, and Flooding

88 households applied for aid $299K aid approved

2007

Severe Storms and Tornadoes

5 households applied for aid $632 aid approved

Denton County has had 19 natural disasters declared since 1953, most often severe storms and fires.

Around Roanoke

Roanoke and the towns around it

Very lowLowModerateHighVery high

Flower Moundmostly inland floodingModerate

Trophy Clubmostly inland floodingModerate

Fort Worthmostly inland floodingModerate

Westlakemostly inland floodingLow

Northlakemostly inland floodingLow

Roanokemostly 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. Roanoke covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Roanoke’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Roanoke. 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 Roanoke total about $1.2M 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.