Natural hazards · Texas

Texas, WI natural hazards

Most of the natural-hazard damage FEMA expects in Texas comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2026. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Texas?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Texas to be higher than in 17% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves36%Tornadoes7%Everything else10%

By hazard

What Texas faces

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

Inland flooding

47% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Cold waves

36% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 34 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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 Texas flood?

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

1paid claims since 2026

$2Kpaid to owners

0homes flooded more than once

20262026

Biggest named events

2026-04-Flooding: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Marathon County.

Disasters that hit Texas

1 federal disaster brought FEMA money here

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

Brought FEMA money into TexasDeclared for Marathon County only

2010

Severe Storms and Flooding

$22K to the Town of Texas for repairs

Marathon County has had 10 natural disasters declared since 1953, most often severe storms and floods.

Around Texas

Texas and the towns around it

Very lowLowModerateHighVery high

Pine Rivermostly cold wavesLow

Hewittmostly inland floodingLow

Wausaumostly cold wavesLow

Texasmostly inland floodingVery low

Mainemostly inland floodingVery 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. Texas covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Texas’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Texas. 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 Texas total about $2.4M 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.