Natural hazards · Winona

Winona, TX natural hazards

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

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winona to be higher than in 5% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves17%Heat waves15%Everything else22%

By hazard

What Winona faces

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

Inland flooding

46% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about 2 times a year in the area

Cold waves

17% of expected damage

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

Recorded about once a year in the area

Heat waves

15% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 19 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Winona flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Smith County.

Disasters that hit Winona

5 federal disasters brought FEMA money here

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

Brought FEMA money into WinonaDeclared for Smith County only

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

93 households applied for aid $288K aid approved

2021

Severe Winter Storms

82 households applied for aid $69K aid approved

2011

Wildfires

5 households applied for aid $39K aid approved

2008

Hurricane Ike

7 households applied for aid $2K aid approved

2007

Severe Storms, Tornadoes, and Flooding

16 households applied for aid $7K aid approved

Smith County has had 25 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. Winona 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 Winona’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Winona. 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.