Samnorwood’s biggest natural hazard is drought
Most of the natural-hazard damage FEMA expects in Samnorwood comes from drought, and overall the risk is high for a U.S. community.
What stands out about Samnorwood’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Samnorwood flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Samnorwood. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Samnorwood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Collingsworth County.How exposed is Samnorwood?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 61% of U.S. communities, mostly from drought.
Rated higher than 1,326 of the 1,859 Texas towns we cover.
Samnorwood is smaller than a census tract, so it shares the figures of the tract around its center.
What Samnorwood faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Drought
Tornadoes
Strong wind
Inland flooding
Federal disasters declared here
None of the disasters declared for Collingsworth County shows FEMA aid or repair money reaching Samnorwood itself in FEMA’s records.
Collingsworth County has had 10 natural disasters declared since 1953, most often severe storms and fires.
Get ready for what Samnorwood actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- On a well? Know how deep it is and watch for sputtering.
- Follow the town’s watering limits.
- Fix drips: they add up.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in July–September
The month each of Collingsworth County’s 10 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Samnorwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to Samnorwood.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Samnorwood.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.