Guest, Sign inJoin

Post to Farmersville

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
C−Hazard risk
Natural hazards in Farmersville · FEMA

FEMA puts Farmersville’s expected hazard damage per building above that of 84% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Farmersville gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns, #207 of 847 in California. Most of that expected damage is river and rain flooding (83%), then earthquakes (15%). Flood insurance has paid 2 claims here since 1998.

River and rain flooding 83%Earthquakes 15%Wildfire 2%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 84%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#207 of 847 in California
Hazard risk
C−#207 of 847
in California · higher than 84% of U.S. towns
Main hazard
River and rain flooding
83% of expected building damage
Flood claims
2
paid since 1998 · $5K
Disasters paid out here
1
of 17 declared for Tulare County
By hazard

What Farmersville faces

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

River and rain flooding

83%of expected building damage
Well above average · higher than 90% of U.S. census tracts
Recorded about 3 times a year in the area

Earthquakes

15%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Smaller shares here
 Wildfire Tornadoes Heat waves top 1% Hail Strong wind Winter storms Landslides Lightning Volcanic activity
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts heat waves at 17% of Farmersville’s expected losses. Heat waves do little damage to buildings (0.1%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Farmersville’s grade

River and rain flooding is 83% of the building damage FEMA expects in Farmersville, and Farmersville’s rate of river and rain flooding damage is higher than 90% of U.S. census tracts. Next is earthquakes at 15% (higher than 82% of U.S. census tracts).

Where Farmersville sits
Farmersville
Least damageMiddleMost damage

C− #207 of 847 in California; higher expected damage per building than 84% of U.S. towns (21,298).

Farmersville’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding83%Earthquakes15%Everything else3%

The typical California town has higher expected damage than 92% of U.S. towns; within the state, Farmersville has less expected damage per building than 76% of California towns.

In dollars, FEMA expects about $3.6M a year in losses across Farmersville: $2.7M to buildings, the rest to people and crops.

A small-area figure. Farmersville covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Farmersville flood? Rarely: 2 flood claims since 1998

Every paid claim on a federal flood insurance policy in Farmersville, from FEMA’s records: 0.7 per 1,000 homes, fewer than 84% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1998: 1 claim1999: 1 claim2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims19981999
19982026
Biggest named events
  • The Pineapple Express - Southern1 claim · $741
2
paid claims since 1998
$5K
paid to owners
0
homes flooded more than once
$3K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Farmersville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Tulare County.
Disasters

1 federal disaster brought FEMA money to Farmersville

Disasters that paid out in Farmersville itself (aid to households or repair grants to the City of Farmersville), newest first, with that year’s flood claims.

  1. 2023Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides21 households applied for aid$37K aid approved$45K to the City of Farmersville for repairs
Disasters declared, by decade
Paid out in FarmersvilleTulare County only

Tulare County has had 17 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Tulare County, 2016–2020.

Were you here?

Old photos of Farmersville after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Farmersville archive →
Be ready

Get ready for what Farmersville faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Farmersville

Is Farmersville at risk for natural disasters?

On FEMA’s National Risk Index, Farmersville has higher expected damage per building than 84% of U.S. towns: C− for hazard risk, #207 of 847 in California. Most of the expected damage is river and rain flooding (83%) and earthquakes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Farmersville flood?

Flood insurance has paid 2 claims in Farmersville since 1998, $5K in all, or 0.7 per 1,000 homes, fewer than 84% of U.S. towns with a flood insurance record. The most claims came from Pineapple Express - Southern (1).

Is Farmersville in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Tulare County, 20% of homes in mapped flood zones carry federal flood insurance, and 2.9% of all homes do.

How much is flood insurance in Farmersville?

FEMA’s Community Rating System list shows no discount for Farmersville’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Farmersville?

By FEMA money that reached Farmersville, Severe Winter Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (2023): 21 households applied for aid, $37K approved, and $45K to the City of Farmersville for repairs. By flood claims, Pineapple Express - Southern: 1 paid, $741.

Is Farmersville at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (83%), and Farmersville’s rate for it is higher than 90% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Farmersville.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Farmersville’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.