Natural hazards · Wells

Wells, TX natural hazards

Most of the natural-hazard damage FEMA expects in Wells comes from inland flooding, and overall the risk is low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wells?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wells to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding43%Cold waves14%Tornadoes12%Strong wind9%Heat waves8%Everything else14%

By hazard

What Wells faces

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

Inland flooding

43% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 2 times a year in the area

Cold waves

14% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 17 years in the area

Strong wind

9% of expected damage

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

Recorded about 3 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 19 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Wells flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cherokee County.

Disasters that hit Wells

5 federal disasters brought FEMA money here

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

Brought FEMA money into WellsDeclared for Cherokee County only

2021

Severe Winter Storms

23 households applied for aid $13K aid approved

2016

Severe Storms and Flooding

3 households applied for aid $2K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

13 households applied for aid $14K aid approved

2008

Hurricane Ike

79 households applied for aid $66K aid approved $13K to the Town of Wells for repairs

2007

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $13K aid approved

Cherokee County has had 22 natural disasters declared since 1953, most often hurricanes and severe storms.

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