Natural hazards · Whitewright

Whitewright, TX natural hazards

Most of the natural-hazard damage FEMA expects in Whitewright comes from inland flooding, and overall the risk is 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 Whitewright?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whitewright to be higher than in 21% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes23%Cold waves10%Heat waves10%Hail5%Everything else10%

By hazard

What Whitewright 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 30% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

23% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 26 years in the area

Cold waves

10% of expected damage

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

Recorded about once a year in the area

Heat waves

10% of expected damage

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

Recorded about 16 times a year in the area

Hail

5% of expected damage

Well above average · higher than 86% 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 Whitewright flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Whitewright 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

40storm safe rooms built

Disasters that hit Whitewright

4 federal disasters brought FEMA money here

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

Brought FEMA money into WhitewrightDeclared for Grayson County only

2021

Severe Winter Storms

47 households applied for aid $23K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

16 households applied for aid $50K aid approved $23K to the Town of Whitewright for repairs

2007

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $7K aid approved $31K to the Town of Whitewright for repairs

2000

Severe Winter Ice Storm

$47K to the Town of Whitewright for repairs

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