Natural hazards · The Colony

The Colony, TX natural hazards

Most of the natural-hazard damage FEMA expects in The Colony comes from tornadoes, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1994. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is The Colony?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in The Colony to be higher than in 36% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes48%Inland flooding28%Hail11%Heat waves7%Everything else7%

By hazard

What The Colony faces

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

Tornadoes

48% of expected damage

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

Inland flooding

28% of expected damage

Below average · higher than 28% of U.S. places

Recorded about 3 times a year in the area

Hail

11% of expected damage

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

Recorded about 9 times a year in the area

Heat waves

7% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 18 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold 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 The Colony flood?

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

5paid claims since 1994

$40Kpaid to owners

1homes flooded more than once

19942026

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Denton County.

What’s been done with FEMA grants

9storm safe rooms built

Disasters that hit The Colony

5 federal disasters brought FEMA money here

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

Brought FEMA money into The ColonyDeclared for Denton County only

2024

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

182 households applied for aid $177K aid approved

2021

Severe Winter Storms

366 households applied for aid $130K aid approved $31K to the City of The Colony for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

32 households applied for aid $33K aid approved $77K to the City of The Colony for repairs

2007

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $36K to the City of The Colony for repairs

2007

Severe Storms and Tornadoes

6 households applied for aid

Denton County has had 19 natural disasters declared since 1953, most often severe storms and fires.

Around The Colony

The Colony and the towns around it

Very lowLowModerateHighVery high

Planomostly tornadoesModerate

Friscomostly tornadoesModerate

Carrolltonmostly inland floodingModerate

Hebronmostly inland floodingModerate

Lewisvillemostly tornadoesModerate

Little Elmmostly tornadoesModerate

The Colonymostly tornadoesLow

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. The Colony covers 12 census tracts, combined by population.

Money that reached townFlood claims are matched to The Colony’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of The Colony. 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 The Colony total about $18.7M 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.