Natural hazards · Winters

Winters, TX natural hazards

Most of the natural-hazard damage FEMA expects in Winters comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1983. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Winters?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winters to be higher than in 47% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding24%Strong wind20%Tornadoes19%Hail15%Cold waves14%Everything else9%

By hazard

What Winters faces

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

Inland flooding

24% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about once a year in the area

Strong wind

20% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

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

Hail

15% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 6 times a year in the area

Cold waves

14% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Winters flood?

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

1paid claims since 1983

$209Kpaid to owners

0homes flooded more than once

19832026

Biggest named events

Hurricane Alicia: 1 claim, $209K

of all homes
are insured

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

Insurance rates: Runnels County.

What’s been done with FEMA grants

4storm safe rooms built

Disasters that hit Winters

1 federal disaster brought FEMA money here

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

Brought FEMA money into WintersDeclared for Runnels County only

2007

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $21K aid approved $28K to the City of Winters for repairs

Runnels County has had 9 natural disasters declared since 1953, most often fires and severe storms.

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. Winters covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Winters’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Winters. 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 Winters total about $869K 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.