Natural hazards · Tool

Tool, TX natural hazards

Most of the natural-hazard damage FEMA expects in Tool comes from cold waves, 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 Tool?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tool to be higher than in 37% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves37%Inland flooding31%Tornadoes18%Everything else14%

By hazard

What Tool faces

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

Cold waves

37% of expected damage

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

Recorded about once every 2 years in the area

Inland flooding

31% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once a year in the area

Tornadoes

18% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 88 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Tool flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henderson County.

Disasters that hit Tool

3 federal disasters brought FEMA money here

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

Brought FEMA money into ToolDeclared for Henderson County only

2024

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

42 households applied for aid $307K aid approved

2021

Severe Winter Storms

34 households applied for aid $25K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid

Henderson 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. Tool covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Tool’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Tool. 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 Tool total about $1.1M 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.