Natural hazards · Texarkana

Texarkana, TX natural hazards

Most of the natural-hazard damage FEMA expects in Texarkana comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 97 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Texarkana?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Texarkana to be higher than in 43% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding27%Tornadoes27%Hail20%Heat waves8%Ice storms6%Everything else13%

By hazard

What Texarkana faces

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

Inland flooding

27% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

27% of expected damage

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

Hail

20% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 19 times a year in the area

Ice storms

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Texarkana flood?

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

97paid claims since 1978

$1.9Mpaid to owners

11homes flooded more than once

19782026

Biggest named events

Early summer storms: 2 claims, $403K
Hurricane Beryl: 1 claim, $10K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bowie County.

Disasters that hit Texarkana

9 federal disasters brought FEMA money here

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

Brought FEMA money into TexarkanaDeclared for Bowie County only

2024

Hurricane Beryl

1,140 households applied for aid $473K aid approved $94K to the City of Texarkana for repairs

2024

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

$58K to the City of Texarkana for repairs

2021

Severe Winter Storms

973 households applied for aid $610K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

36 households applied for aid $192K aid approved

2011

Wildfires

1 household applied for aid

2008

Hurricane Ike

$229K to the City of Texarkana for repairs

2005

Hurricane Katrina Evacuation

$102K to the City of Texarkana for repairs

2000

Severe Winter Ice Storm

$3.0M to the City of Texarkana for repairs

1999

Tx, Tornado 5/4/99

$12K to the City of Texarkana for repairs

Bowie County has had 21 natural disasters declared since 1953, most often hurricanes and fires.

Around Texarkana

Texarkana and the towns around it

Very lowLowModerateHighVery high

Texarkanamostly inland floodingHigh

Red Lickmostly inland floodingModerate

Wake Villagemostly tornadoesModerate

Texarkanamostly inland floodingModerate

Nashmostly tornadoesModerate

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. Texarkana covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Texarkana’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Texarkana. 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 Texarkana total about $13.5M 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.