Natural hazards · Trophy Club

Trophy Club, TX natural hazards

Most of the natural-hazard damage FEMA expects in Trophy Club comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 21 claims here since 2003. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Trophy Club?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Trophy Club to be higher than in 47% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes34%Hail13%Everything else11%

By hazard

What Trophy Club faces

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

Inland flooding

42% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

34% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 96 years in the area

Hail

13% of expected damage

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

Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat 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 Trophy Club flood?

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

21paid claims since 2003

$1.1Mpaid to owners

2homes flooded more than once

20032026

Biggest named events

Thunderstorms: 7 claims, $311K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Denton County.

What’s been done with FEMA grants

9storm safe rooms built

Disasters that hit Trophy Club

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Trophy Club itself: aid to households, or repair grants to the Town of Trophy Club.

Brought FEMA money into Trophy ClubDeclared for Denton County only

2024

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

3 households applied for aid $2K aid approved

2021

Severe Winter Storms

62 households applied for aid $14K aid approved

2007

Severe Storms, Tornadoes, and Flooding

75 households applied for aid $286K aid approved

2007

Severe Storms and Tornadoes

2 households applied for aid

Denton County has had 19 natural disasters declared since 1953, most often severe storms and fires.

Around Trophy Club

Trophy Club and the towns around it

Very lowLowModerateHighVery high

Southlakemostly inland floodingModerate

Trophy Clubmostly inland floodingModerate

Westlakemostly inland floodingLow

Roanokemostly tornadoesLow

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