Natural hazards · Wortham

Wortham, TX natural hazards

Most of the natural-hazard damage FEMA expects in Wortham comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1998. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wortham?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wortham to be higher than in 20% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves42%Inland flooding25%Tornadoes15%Drought5%Everything else13%

By hazard

What Wortham faces

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

Cold waves

42% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 2 years in the area

Inland flooding

25% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 16 years in the area

Drought

5% of expected damage

Recorded about 31 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Wortham flood?

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

1paid claims since 1998

$69Kpaid to owners

0homes flooded more than once

19982026

of all homes
are insured

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

Insurance rates: Freestone County.

Disasters that hit Wortham

2 federal disasters brought FEMA money here

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

Brought FEMA money into WorthamDeclared for Freestone County only

2024

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

1 household applied for aid

2021

Severe Winter Storms

38 households applied for aid $31K aid approved $4K to the Town of Wortham for repairs

Freestone County has had 15 natural disasters declared since 1953, most often hurricanes and floods.

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