Natural hazards · Savoy

Savoy, TX natural hazards

Most of the natural-hazard damage FEMA expects in Savoy comes from drought, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Savoy?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Savoy to be higher than in 44% of U.S. communities, mostly from drought and tornadoes.

Drought28%Tornadoes24%Inland flooding14%Heat waves11%Cold waves6%Hail6%Everything else11%

By hazard

What Savoy faces

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

Drought

28% of expected damage

Recorded about 27 times a year in the area

Tornadoes

24% of expected damage

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

Recorded about once every 12 years in the area

Inland flooding

14% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Heat waves

11% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 16 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

Hail

6% of expected damage

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

Recorded about 8 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Savoy flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fannin County.

What’s been done with FEMA grants

15storm safe rooms built

Disasters that hit Savoy

2 federal disasters brought FEMA money here

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

Brought FEMA money into SavoyDeclared for Fannin County only

2021

Severe Winter Storms

26 households applied for aid $8K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

12 households applied for aid $25K aid approved

Fannin County has had 16 natural disasters declared since 1953, most often severe storms 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. Savoy 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 Savoy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Savoy. 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.