Natural hazards · Scotland

Scotland, TX natural hazards

Most of the natural-hazard damage FEMA expects in Scotland comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Scotland?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Scotland to be higher than in 26% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding31%Tornadoes16%Wildfire11%Drought10%Strong wind8%Hail8%Everything else17%

By hazard

What Scotland faces

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

Inland flooding

31% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

16% of expected damage

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

Recorded about once every 4 years in the area

Wildfire

11% of expected damage

Well above average · higher than 95% of U.S. places

Drought

10% of expected damage

Recorded about 77 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Hail

8% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesIce stormsWinter weatherEarthquakesLandslidesLightning

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 Scotland flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Archer County.

Disasters that hit Scotland

3 federal disasters brought FEMA money here

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

Brought FEMA money into ScotlandDeclared for Archer County only

2018

Severe Storms and Flooding

$13K to the City of Scotland for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

$73K to the City of Scotland for repairs

2007

Severe Storms, Tornadoes, and Flooding

$979 to the City of Scotland for repairs

Archer 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. Scotland 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 Scotland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Scotland. 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.