Natural hazards · Saint Jo

Saint Jo, TX natural hazards

Most of the natural-hazard damage FEMA expects in Saint Jo comes from inland flooding, and overall the risk is moderate for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Saint Jo?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Saint Jo to be higher than in 51% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding31%Tornadoes21%Drought15%Heat waves7%Cold waves6%Strong wind6%Everything else14%

By hazard

What Saint Jo faces

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

Inland flooding

31% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 6 years in the area

Drought

15% of expected damage

Recorded about 36 times a year in the area

Heat waves

7% of expected damage

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

Recorded about 14 times a year in the area

Cold waves

6% of expected damage

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

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailWinter weatherWildfireEarthquakesLandslidesLightning

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 Saint Jo flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montague County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Saint Jo

6 federal disasters brought FEMA money here

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

Brought FEMA money into Saint JoDeclared for Montague County only

2024

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

1 household applied for aid

2021

Severe Winter Storms

14 households applied for aid $1K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

19 households applied for aid $46K aid approved $34K to the City of Saint Jo for repairs

2007

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $3K aid approved $139K to the City of Saint Jo for repairs

2005

Extreme Wildfire Threat

1 household applied for aid $27K aid approved

2000

Severe Winter Ice Storm

$48K to the City of Saint Jo for repairs

Montague County has had 17 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. Saint Jo 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 Saint Jo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Saint Jo. 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.