Natural hazards · Royse

Royse, TX natural hazards

Most of the natural-hazard damage FEMA expects in Royse comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1990. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Royse?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Royse to be higher than in 43% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes38%Inland flooding27%Heat waves12%Cold waves10%Hail7%Everything else6%

By hazard

What Royse faces

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

Tornadoes

38% of expected damage

Well above average · higher than 90% of U.S. places

Inland flooding

27% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once a year in the area

Heat waves

12% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 18 times a year in the area

Cold waves

10% of expected damage

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

Recorded about once a year in the area

Hail

7% of expected damage

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

Recorded about 8 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Royse flood?

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

1paid claims since 1990

$5Kpaid to owners

0homes flooded more than once

19902026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rockwall County.

What’s been done with FEMA grants

32storm safe rooms built

Disasters that hit Royse

2 federal disasters brought FEMA money here

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

Brought FEMA money into RoyseDeclared for Rockwall County only

2024

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

14 households applied for aid $18K aid approved

2021

Severe Winter Storms

198 households applied for aid $79K aid approved

Rockwall County has had 12 natural disasters declared since 1953, most often severe storms and fires.

Around Royse

Royse and the towns around it

Very lowLowModerateHighVery high

Fatemostly tornadoesModerate

Royse Citymostly tornadoesModerate

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. Royse covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Royse’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Royse. 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 Royse total about $3.4M 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.