Natural hazards · Sherman

Sherman, TX natural hazards

Most of the natural-hazard damage FEMA expects in Sherman comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 459 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Sherman?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sherman to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes22%Cold waves10%Heat waves10%Hail5%Everything else7%

By hazard

What Sherman faces

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

Inland flooding

46% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

22% of expected damage

Above average · higher than 58% of U.S. places

Cold waves

10% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Heat waves

10% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 16 times a year in the area

Hail

5% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 9 times 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 Sherman flood?

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

459paid claims since 1979

$8.9Mpaid to owners

41homes flooded more than once

19792026

Biggest named events

Thunderstorms: 76 claims, $4.0M
Early summer storms: 3 claims, $160K
Hurricane Allen: 1 claim, $13K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (13) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grayson County.

What’s been done with FEMA grants

125storm safe rooms built

9flood-prone properties bought out and cleared

Disasters that hit Sherman

5 federal disasters brought FEMA money here

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

Brought FEMA money into ShermanDeclared for Grayson County only

2021

Severe Winter Storms

373 households applied for aid $186K aid approved $23K to the City of Sherman for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

117 households applied for aid $98K aid approved $415K to the City of Sherman for repairs

2007

Severe Storms, Tornadoes, and Flooding

628 households applied for aid $1.6M aid approved $100K to the City of Sherman for repairs

2005

Hurricane Katrina Evacuation

$10K to the City of Sherman for repairs

2000

Severe Winter Ice Storm

$284K to the City of Sherman for repairs

Grayson County has had 16 natural disasters declared since 1953, most often severe storms and fires.

Around Sherman

Sherman and the towns around it

Very lowLowModerateHighVery high

Dorchestermostly inland floodingLow

Shermanmostly inland floodingLow

Knollwoodmostly inland floodingLow

Howemostly inland floodingVery low

Denisonmostly inland floodingVery low

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. Sherman covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Sherman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Sherman. 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 Sherman total about $12.3M 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.