Stephenville, TX natural hazards
Most of the natural-hazard damage FEMA expects in Stephenville comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 8 claims here since 1990. 6 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Stephenville?
FEMA expects yearly storm and flood damage to homes and buildings in Stephenville to be higher than in 17% of U.S. communities, mostly from cold waves and inland flooding.
What Stephenville faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Cold waves
Inland flooding
Tornadoes
Lower here
Not a risk here
Does Stephenville flood?
Every paid claim on a federal flood insurance policy in Stephenville, from FEMA’s records.
Biggest named events
- Early summer storms: 2 claims, $54K
- Tropical Storm Bill: 1 claim, $20K
are insured
are insured
What’s been done with FEMA grants
6 federal disasters brought FEMA money here
Disasters the President declared that paid out in Stephenville itself: aid to households, or repair grants to the City of Stephenville.
Severe Winter Storms
Severe Storms and Flooding
Severe Storms, Tornadoes, and Flooding
Severe Storms, Tornadoes, Straight-Line Winds and Flooding
Severe Storms, Tornadoes, and Flooding
Extreme Wildfire Threat
How to read this page
FEMA’s expected losses across Stephenville total about $7.7M 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.