Natural hazards · Salado

Salado, TX natural hazards

Most of the natural-hazard damage FEMA expects in Salado comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 30 claims here since 2007. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Salado?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Salado to be higher than in 61% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding60%Tornadoes17%Hail7%Cold waves6%Everything else10%

By hazard

What Salado faces

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

Inland flooding

60% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 48 years in the area

Hail

7% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 4 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 every 2 years in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Salado flood?

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

30paid claims since 2007

$3.3Mpaid to owners

5homes flooded more than once

20072026

Biggest named events

Thunderstorms: 1 claim, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bell County.

Disasters that hit Salado

3 federal disasters brought FEMA money here

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

Brought FEMA money into SaladoDeclared for Bell County only

2024

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

20 households applied for aid $34K aid approved

2021

Severe Winter Storms

115 households applied for aid $19K aid approved

2007

Severe Storms, Tornadoes, and Flooding

53 households applied for aid $98K aid approved

Bell County has had 18 natural disasters declared since 1953, most often fires and floods.

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