Natural hazards · South Mountain

South Mountain, TX natural hazards

Most of the natural-hazard damage FEMA expects in South Mountain comes from inland flooding, and overall the risk is very low 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 South Mountain?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in South Mountain to be higher than in 19% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes27%Cold waves13%Everything else21%

By hazard

What South Mountain faces

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

Inland flooding

40% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

27% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 34 years in the area

Cold waves

13% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 South Mountain flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Coryell County.

Disasters that hit South Mountain

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in South Mountain itself: aid to households, or repair grants to the Town of South Mountain.

Brought FEMA money into South MountainDeclared for Coryell County only

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

1 household applied for aid $30K aid approved

Coryell County has had 18 natural disasters declared since 1953, most often fires 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. South Mountain covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to South Mountain’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of South Mountain. 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 South Mountain total about $1.7M 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.