Natural hazards · Umbarger

Umbarger, TX natural hazards

Most of the natural-hazard damage FEMA expects in Umbarger comes from drought, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Umbarger?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Umbarger to be higher than in 87% of U.S. communities, mostly from drought and wildfires.

Drought26%Wildfire20%Hail17%Inland flooding14%Cold waves10%Tornadoes9%Everything else5%

By hazard

What Umbarger faces

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

Drought

26% of expected damage

Recorded about 82 times a year in the area

Wildfire

20% of expected damage

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

Hail

17% of expected damage

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

Recorded about 8 times a year in the area

Inland flooding

14% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Cold waves

10% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 2 years in the area

Lower here

Ice stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Umbarger flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Randall County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Umbarger

Federal disasters declared here

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

Brought FEMA money into UmbargerDeclared for Randall County only

Randall County has had 14 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. Umbarger 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 Umbarger’s own flood-insurance community; household aid to the registrant’s city; repair grants to Umbarger. 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.