Natural hazards · Whitesboro

Whitesboro, TX natural hazards

Most of the natural-hazard damage FEMA expects in Whitesboro comes from inland flooding, and overall the risk is very low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Whitesboro?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whitesboro to be higher than in 14% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes25%Cold waves11%Heat waves11%Hail6%Everything else11%

By hazard

What Whitesboro faces

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

Inland flooding

37% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

25% of expected damage

Above average · higher than 57% of U.S. places

Cold waves

11% of expected damage

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

Recorded about once a year in the area

Heat waves

11% of expected damage

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

Recorded about 16 times a year in the area

Hail

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Whitesboro flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grayson County.

What’s been done with FEMA grants

89storm safe rooms built

Disasters that hit Whitesboro

4 federal disasters brought FEMA money here

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

Brought FEMA money into WhitesboroDeclared for Grayson County only

2021

Severe Winter Storms

50 households applied for aid $19K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

40 households applied for aid $23K aid approved

2007

Severe Storms, Tornadoes, and Flooding

37 households applied for aid $55K aid approved

2005

Extreme Wildfire Threat

14 households applied for aid $76K aid approved

Grayson County has had 16 natural disasters declared since 1953, most often severe storms and fires.

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. Whitesboro covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Whitesboro’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Whitesboro. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Whitesboro total about $1.3M a year, counting buildings, people and crops.

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.