Natural hazards · Toco

Toco, TX natural hazards

Most of the natural-hazard damage FEMA expects in Toco comes from tornadoes, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Toco?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Toco to be higher than in 30% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes30%Inland flooding22%Cold waves13%Ice storms8%Hail7%Drought6%Everything else13%

By hazard

What Toco faces

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

Tornadoes

30% of expected damage

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

Recorded about once every 6 years in the area

Inland flooding

22% of expected damage

Well below average · higher than 5% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Ice storms

8% of expected damage

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

Recorded about once a year in the area

Hail

7% of expected damage

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

Recorded about 5 times a year in the area

Drought

6% of expected damage

Recorded about 44 times a year in the area

Lower here

HurricanesWinter 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 Toco flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lamar County.

Disasters that hit Toco

Federal disasters declared here

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

Brought FEMA money into TocoDeclared for Lamar County only

Lamar County has had 20 natural disasters declared since 1953, most often severe storms and floods.

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

Toco, TX natural hazards

How exposed is Toco?

What Toco faces

Tornadoes

Inland flooding

Cold waves

Ice storms

Hail

Drought

Lower here

Not a risk here

Does Toco flood?

Federal disasters declared here

How to read this page

Where to, neighbor?

Matches

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