Natural hazards · Saginaw

Saginaw, TX natural hazards

Most of the natural-hazard damage FEMA expects in Saginaw comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 8 claims here since 1986. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Saginaw?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Saginaw to be higher than in 35% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding34%Tornadoes27%Hail21%Heat waves10%Cold waves6%Everything else2%

By hazard

What Saginaw faces

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

Inland flooding

34% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

27% of expected damage

Well above average · higher than 84% of U.S. places

Hail

21% of expected damage

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

Recorded about 10 times a year in the area

Heat waves

10% of expected damage

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

Recorded about 19 times a year in the area

Cold waves

6% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Saginaw flood?

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

8paid claims since 1986

$205Kpaid to owners

1homes flooded more than once

19862026

Biggest named events

Thunderstorms: 2 claims, $42K
Dallas Flash Floods: 1 claim, $93K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Tarrant County.

What’s been done with FEMA grants

6storm safe rooms built

Disasters that hit Saginaw

3 federal disasters brought FEMA money here

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

Brought FEMA money into SaginawDeclared for Tarrant County only

2021

Severe Winter Storms

182 households applied for aid $34K aid approved

2007

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $30K aid approved

2000

Severe Storms, Tornadoes and Flooding

$5K to the City of Saginaw for repairs

Tarrant County has had 23 natural disasters declared since 1953, most often hurricanes 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. Saginaw covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Saginaw’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Saginaw. 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 Saginaw total about $6.0M 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.