Natural hazards · Spearman

Spearman, TX natural hazards

Most of the natural-hazard damage FEMA expects in Spearman comes from drought, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1999.

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

Expected damage

How exposed is Spearman?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spearman to be higher than in 32% of U.S. communities, mostly from drought and cold waves.

Drought50%Cold waves18%Tornadoes10%Inland flooding6%Hail5%Everything else11%

By hazard

What Spearman faces

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

Drought

50% of expected damage

Recorded about 94 times a year in the area

Cold waves

18% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

6% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about once every 4 years in the area

Hail

5% of expected damage

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

Recorded about 8 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Spearman flood?

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

5paid claims since 1999

$464Kpaid to owners

1homes flooded more than once

19992026

Biggest named events

Tropical Storm Allison: 2 claims, $110K
Spring severe storms: 1 claim, $125K
Hurricane Harvey: 1 claim, $228K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Hansford County.

What’s been done with FEMA grants

28storm safe rooms built

Disasters that hit Spearman

Federal disasters declared here

None of the disasters declared for Hansford County shows FEMA aid or repair money reaching Spearman itself in FEMA’s records.

Brought FEMA money into SpearmanDeclared for Hansford County only

Hansford County has had 9 natural disasters declared since 1953, most often fires and hurricanes.

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