Natural hazards · Woodway

Woodway, TX natural hazards

Most of the natural-hazard damage FEMA expects in Woodway comes from tornadoes, and overall the risk is very low for a U.S. community. Flood insurance has paid 16 claims here since 2004. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Woodway?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Woodway to be higher than in 7% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes36%Inland flooding34%Cold waves14%Heat waves7%Everything else9%

By hazard

What Woodway faces

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

Tornadoes

36% of expected damage

Above average · higher than 71% of U.S. places

Inland flooding

34% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 2 times a year in the area

Cold waves

14% of expected damage

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

Recorded about once a year in the area

Heat waves

7% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 17 times a year in the area

Lower here

HurricanesHailIce 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 Woodway flood?

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

16paid claims since 2004

$280Kpaid to owners

3homes flooded more than once

20042026

Biggest named events

Texas Spring Flooding: 1 claim, $14K
2026-06-Arthur-TS: 1 claim, $3K
Early summer severe storms: 1 claim, $357

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McLennan County.

Disasters that hit Woodway

3 federal disasters brought FEMA money here

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

Brought FEMA money into WoodwayDeclared for McLennan County only

2021

Severe Winter Storms

126 households applied for aid $16K aid approved

2007

Severe Storms, Tornadoes, and Flooding

$10K to the City of Woodway for repairs

2005

Hurricane Katrina Evacuation

$9K to the City of Woodway for repairs

McLennan County has had 18 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Woodway

Woodway and the towns around it

Very lowLowModerateHighVery high

Wacomostly tornadoesVery low

Woodwaymostly tornadoesVery low

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. Woodway covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Woodway’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Woodway. 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 Woodway total about $3.2M 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.