Natural hazards · San Angelo

San Angelo, TX natural hazards

Most of the natural-hazard damage FEMA expects in San Angelo comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 86 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is San Angelo?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in San Angelo to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding50%Hail12%Tornadoes10%Heat waves10%Cold waves8%Everything else10%

By hazard

What San Angelo faces

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

Inland flooding

50% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 3 times a year in the area

Hail

12% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 69% of U.S. places

Heat waves

10% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 10 times a year in the area

Cold waves

8% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 San Angelo flood?

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

86paid claims since 1978

$3.6Mpaid to owners

9homes flooded more than once

19782026

Biggest named events

2025 July Central TX Flooding: 22 claims, $2.2M
Early summer storms: 11 claims, $472K
Torrential rain: 3 claims, $8K

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. San Angelo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Tom Green County.

Disasters that hit San Angelo

3 federal disasters brought FEMA money here

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

Brought FEMA money into San AngeloDeclared for Tom Green County only

2025

Severe Storms, Straight-Line Winds, and Flooding

1,887 households applied for aid $12.9M aid approved $665K to the City of San Angelo for repairs

2021

Severe Winter Storms

632 households applied for aid $425K aid approved $281K to the City of San Angelo for repairs

2005

Hurricane Katrina Evacuation

$116K to the City of San Angelo for repairs

Tom Green County has had 17 natural disasters declared since 1953, most often fires 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. San Angelo covers 21 census tracts, combined by population.

Money that reached townFlood claims are matched to San Angelo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of San Angelo. 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 San Angelo total about $17.0M 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.