Natural hazards · Toyah

Toyah, TX natural hazards

Most of the natural-hazard damage FEMA expects in Toyah comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1981.

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

Expected damage

How exposed is Toyah?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Toyah to be higher than in 31% of U.S. communities, mostly from inland flooding and drought.

Inland flooding41%Drought34%Strong wind10%Everything else15%

By hazard

What Toyah faces

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

Inland flooding

41% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once a year in the area

Drought

34% of expected damage

Recorded about 102 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 2 years in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Toyah flood?

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

1paid claims since 1981

$5Kpaid to owners

0homes flooded more than once

19812026

of all homes
are insured

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

Insurance rates: Reeves County.

Disasters that hit Toyah

Federal disasters declared here

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

Brought FEMA money into ToyahDeclared for Reeves County only

Reeves County has had 9 natural disasters declared since 1953, most often fires and hurricanes.

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