Natural hazards · Tow

Tow, TX natural hazards

Most of the natural-hazard damage FEMA expects in Tow comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Tow?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tow to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding68%Tornadoes8%Drought7%Everything else18%

By hazard

What Tow faces

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

Inland flooding

68% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 7 years in the area

Drought

7% of expected damage

Recorded about 79 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Tow flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Llano County.

Disasters that hit Tow

2 federal disasters brought FEMA money here

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

Brought FEMA money into TowDeclared for Llano County only

2021

Severe Winter Storms

13 households applied for aid $5K aid approved

2007

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $249 aid approved

Llano County has had 13 natural disasters declared since 1953, most often floods and fires.

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