Natural hazards · Seminole

Seminole, TX natural hazards

Most of the natural-hazard damage FEMA expects in Seminole comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1980. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Seminole?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Seminole to be higher than in 36% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves38%Inland flooding27%Hail11%Strong wind8%Tornadoes8%Everything else8%

By hazard

What Seminole faces

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

Cold waves

38% of expected damage

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

Recorded about once a year in the area

Inland flooding

27% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 2 times a year in the area

Hail

11% of expected damage

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

Recorded about 4 times a year in the area

Strong wind

8% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

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

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Seminole flood?

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

4paid claims since 1980

$29Kpaid to owners

1homes flooded more than once

19802026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Gaines County.

Disasters that hit Seminole

1 federal disaster brought FEMA money here

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

Brought FEMA money into SeminoleDeclared for Gaines County only

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

2 households applied for aid

Gaines County has had 10 natural disasters declared since 1953, most often severe storms and fires.

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. Seminole covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Seminole’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Seminole. 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 Seminole total about $2.2M 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.