Natural hazards · Westminster

Westminster, TX natural hazards

Most of the natural-hazard damage FEMA expects in Westminster comes from tornadoes, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Westminster?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Westminster to be higher than in 56% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes61%Inland flooding21%Hail10%Everything else8%

By hazard

What Westminster faces

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

Tornadoes

61% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 14 years in the area

Inland flooding

21% of expected damage

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

Recorded about 2 times a year in the area

Hail

10% of expected damage

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

Recorded about 8 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Westminster flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Collin County.

Disasters that hit Westminster

1 federal disaster brought FEMA money here

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

Brought FEMA money into WestminsterDeclared for Collin County only

2021

Severe Winter Storms

1 household applied for aid

Collin County has had 15 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Westminster

Westminster and the towns around it

Very lowLowModerateHighVery high

Annamostly tornadoesHigh

Westminstermostly tornadoesModerate

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