Natural hazards · Sadler

Sadler, TX natural hazards

Most of the natural-hazard damage FEMA expects in Sadler comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Sadler?

Moderate

vs. U.S. communities

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

Inland flooding52%Tornadoes16%Cold waves8%Wildfire7%Heat waves7%Everything else11%

By hazard

What Sadler faces

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

Inland flooding

52% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 19 years in the area

Cold waves

8% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Wildfire

7% of expected damage

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

Heat waves

7% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 16 times a year in the area

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 Sadler flood?

FEMA's records show no paid flood insurance claims in Sadler.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grayson County.

What’s been done with FEMA grants

18storm safe rooms built

Disasters that hit Sadler

3 federal disasters brought FEMA money here

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

Brought FEMA money into SadlerDeclared for Grayson County only

2021

Severe Winter Storms

10 households applied for aid $2K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

7 households applied for aid $4K aid approved

2007

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $26K aid approved

Grayson County has had 16 natural disasters declared since 1953, most often severe storms and fires.

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. Sadler 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 Sadler’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Sadler. 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.