Natural hazards · Winnsboro

Winnsboro, TX natural hazards

Most of the natural-hazard damage FEMA expects in Winnsboro comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1980. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Winnsboro?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winnsboro to be higher than in 13% of U.S. communities, mostly from inland flooding.

Inland flooding35%Cold waves15%Strong wind11%Ice storms11%Heat waves10%Hail9%Everything else11%

By hazard

What Winnsboro faces

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

Inland flooding

35% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once a year in the area

Strong wind

11% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 5 times a year in the area

Ice storms

11% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Heat waves

10% of expected damage

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

Recorded about 18 times a year in the area

Hail

9% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesWinter 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 Winnsboro flood?

Every paid claim on a federal flood insurance policy in Winnsboro, from FEMA’s records.

3paid claims since 1980

$26Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wood County.

Disasters that hit Winnsboro

3 federal disasters brought FEMA money here

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

Brought FEMA money into WinnsboroDeclared for Wood County only

2021

Severe Winter Storms

44 households applied for aid $40K aid approved

2016

Severe Storms and Flooding

3 households applied for aid $2K aid approved

2000

Severe Winter Ice Storm

$27K to the City of Winnsboro for repairs

Wood County has had 12 natural disasters declared since 1953, most often hurricanes 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. Winnsboro covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Winnsboro’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Winnsboro. 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 Winnsboro total about $1.1M 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.

Winnsboro, TX natural hazards

How exposed is Winnsboro?

What Winnsboro faces

Inland flooding

Cold waves

Strong wind

Ice storms

Heat waves

Hail

Lower here

Not a risk here

Does Winnsboro flood?

3 federal disasters brought FEMA money here

Severe Winter Storms

Severe Storms and Flooding

Severe Winter Ice Storm

How to read this page

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