Natural hazards · Thrall

Thrall, TX natural hazards

Most of the natural-hazard damage FEMA expects in Thrall comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Thrall?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thrall to be higher than in 28% of U.S. communities, mostly from inland flooding and drought.

Inland flooding40%Drought16%Hail14%Cold waves12%Tornadoes9%Everything else10%

By hazard

What Thrall 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

Below average · higher than 41% of U.S. places

Recorded about 4 times a year in the area

Drought

16% of expected damage

Recorded about 66 times a year in the area

Hail

14% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 4 times a year in the area

Cold waves

12% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

9% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 7 years in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Thrall flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Williamson County.

Disasters that hit Thrall

3 federal disasters brought FEMA money here

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

Brought FEMA money into ThrallDeclared for Williamson County only

2021

Severe Winter Storms

27 households applied for aid $15K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

29 households applied for aid $89K aid approved

2007

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $29K aid approved

Williamson County has had 21 natural disasters declared since 1953, most often fires and severe storms.

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