Natural hazards · Rule

Rule, TX natural hazards

Most of the natural-hazard damage FEMA expects in Rule comes from drought, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2005. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Rule?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rule to be higher than in 30% of U.S. communities, mostly from drought and inland flooding.

Drought44%Inland flooding20%Hail13%Tornadoes9%Strong wind8%Everything else6%

By hazard

What Rule faces

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

Drought

44% of expected damage

Recorded about 92 times a year in the area

Inland flooding

20% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once a year in the area

Hail

13% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 3 years in the area

Strong wind

8% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Rule flood?

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

3paid claims since 2005

$119Kpaid to owners

1homes flooded more than once

20052026

Biggest named events

Texas Spring Flooding: 1 claim, $43K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Haskell County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Rule

1 federal disaster brought FEMA money here

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

Brought FEMA money into RuleDeclared for Haskell County only

2005

Hurricane Rita

3 households applied for aid $8K aid approved

Haskell County has had 13 natural disasters declared since 1953, most often fires and severe storms.

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. Rule is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Rule’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Rule. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.