Rountree Family Farm · Photo: Nyttend · Public domainStorms, floods and disasters in Gatesville
Gatesville isn’t graded for hazard risk: Gatesville has 320 residents; we grade towns of 1,000 or more. Flood insurance has paid 3 claims here since 2010.
What Gatesville 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
Hurricanes
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.
Does Gatesville flood? Rarely: 3 flood claims since 2010
Every paid claim on a federal flood insurance policy in Gatesville, from FEMA’s records.
- Hurricane Matthew2 claims · $117K
Gatesville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Gates County.3 federal disasters brought FEMA money to Gatesville
Disasters that paid out in Gatesville itself (aid to households or repair grants to the Town of Gatesville), newest first, with that year’s flood claims.
- 2016Hurricane Matthew26 households applied for aid$43K aid approved2 flood claims paid for it, $117K
- 2011Hurricane Irene28 households applied for aid$16K aid approved
- 2003Hurricane Isabel200 households applied for aid$138K aid approved
Gates County has had 17 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 Gatesville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Gatesville archive →Get ready for what Gatesville 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Gatesville
Does Gatesville flood?
Flood insurance has paid 3 claims in Gatesville since 2010, $125K in all. 1 properties have flooded more than once. The most claims came from Hurricane Matthew (2).
Is Gatesville 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 Gates County, 20% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Gatesville?
FEMA’s Community Rating System list shows no discount for Gatesville’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 Gatesville?
By FEMA money that reached Gatesville, Hurricane Isabel (2003): 200 households applied for aid, $138K approved. By flood claims, Hurricane Matthew: 2 paid, $117K.
Storm stories
Memories, warnings and help from neighbors in Gatesville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Gatesville’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.