Photo: Lwadle · CC BY-SA 4.0For tornadoes, Melcher-Dallas’s building-damage rate is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Melcher-Dallas gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns. Most of that expected damage is river and rain flooding (75%), then tornadoes (17%). FEMA’s files show no paid flood insurance claims here.
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
What Melcher-Dallas 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
Tornadoes
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.
What’s behind Melcher-Dallas’ grade
River and rain flooding is 75% of the building damage FEMA expects in Melcher-Dallas, and Melcher-Dallas’ rate of river and rain flooding damage is higher than 66% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 4% of U.S. census tracts.
C+ higher expected damage per building than 56% of U.S. towns (21,298).
All of Melcher-Dallas’ residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $824K a year in losses across Melcher-Dallas: $334K to buildings, the rest to people and crops.
Does Melcher-Dallas flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Melcher-Dallas. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Melcher-Dallas isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Marion County.4 federal disasters brought FEMA money to Melcher-Dallas
Disasters that paid out in Melcher-Dallas itself (aid to households or repair grants to the City of Melcher-Dallas), newest first, with that year’s flood claims.
- 2010Severe Storms, Flooding, and Tornadoes2 households applied for aid$7K aid approved
- 2008Severe Storms, Tornadoes, and Flooding2 households applied for aid$4K aid approved
- 2007Severe Winter Storm$36K to the City of Melcher-Dallas for repairs
- 2007Severe Winter Storms$3K to the City of Melcher-Dallas for repairs
Marion County has had 16 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.
Old photos of Melcher-Dallas after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Melcher-Dallas archive →Get ready for what Melcher-Dallas faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Melcher-Dallas
Is Melcher-Dallas at risk for natural disasters?
On FEMA’s National Risk Index, Melcher-Dallas has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (75%) and tornadoes (17%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Melcher-Dallas 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 Marion County, 2% of homes in mapped flood zones carry federal flood insurance, and 0.0% of all homes do.
How much is flood insurance in Melcher-Dallas?
FEMA’s Community Rating System list shows no discount for Melcher-Dallas’ 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 Melcher-Dallas?
By FEMA money that reached Melcher-Dallas, Severe Winter Storm (2007): $36K to the City of Melcher-Dallas for repairs.
Is Melcher-Dallas at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Melcher-Dallas’ rate for it is higher than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Melcher-Dallas.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Melcher-Dallas’ 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.