Dallas Graded and High School · Photo: RoxylovesHistory · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Dallas as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Dallas gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns, #178 of 290 in North Carolina. Most of that expected damage is river and rain flooding (79%). Flood insurance has paid 2 claims here since 2006.
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 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
Earthquakes
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 Dallas’ grade
River and rain flooding is 79% of the building damage FEMA expects in Dallas, and Dallas’ rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Ice storms add 4%, at a rate in the top 4% of U.S. census tracts.
C+ #178 of 290 in North Carolina; higher expected damage per building than 58% of U.S. towns (21,298).
Dallas’ residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical North Carolina town has lower expected damage than 51% of U.S. towns; within the state, Dallas has more expected damage per building than 61% of North Carolina towns.
In dollars, FEMA expects about $1.8M a year in losses across Dallas: $1.4M to buildings, the rest to people and crops.
Does Dallas flood? Rarely: 2 flood claims since 2006
Every paid claim on a federal flood insurance policy in Dallas, from FEMA’s records: 0.8 per 1,000 homes, fewer than 83% of the 13,809 U.S. towns with a flood insurance record.
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: Gaston County.2 federal disasters brought FEMA money to Dallas
Disasters that paid out in Dallas itself (aid to households or repair grants to the Town of Dallas), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene835 households applied for aid$632K aid approved
- 2002Severe Ice Storm$117K to the Town of Dallas for repairs
Gaston County has had 16 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Dallas after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Dallas archive →Dallas and its neighbors
Dallas is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Gastonia | Bless damage than 57% | river and rain flooding | 20 |
| Dallas | C+more damage than 58% | river and rain flooding | 2 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Dallas
Is Dallas at risk for natural disasters?
On FEMA’s National Risk Index, Dallas has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk, #178 of 290 in North Carolina. Most of the expected damage is river and rain flooding (79%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Dallas flood?
Flood insurance has paid 2 claims in Dallas since 2006, $13K in all, or 0.8 per 1,000 homes, fewer than 83% of U.S. towns with a flood insurance record.
Is 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 Gaston County, 46% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Dallas?
FEMA’s Community Rating System list shows no discount for 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 Dallas?
By FEMA money that reached Dallas, Tropical Storm Helene (2024): 835 households applied for aid, $632K approved.
Is Dallas at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Dallas’ rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dallas.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where 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.