Natural hazards · Santo

Santo, TX natural hazards

Most of the natural-hazard damage FEMA expects in Santo comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Santo?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Santo to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding52%Wildfire11%Tornadoes9%Cold waves9%Hail8%Everything else11%

By hazard

What Santo faces

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

Inland flooding

52% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once a year in the area

Wildfire

11% of expected damage

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

Tornadoes

9% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 4 years in the area

Cold waves

9% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Hail

8% of expected damage

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

Recorded about 7 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Santo flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Palo Pinto County.

What’s been done with FEMA grants

4storm safe rooms built

Disasters that hit Santo

1 federal disaster brought FEMA money here

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

Brought FEMA money into SantoDeclared for Palo Pinto County only

2021

Severe Winter Storms

14 households applied for aid $7K aid approved

Palo Pinto County has had 23 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. Santo 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 Santo’s own flood-insurance community; household aid to the registrant’s city; repair grants to Santo. 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.