Photo: In memoriam afiler · CC BY-SA 2.0Storms, floods and disasters in Alamo
Alamo isn’t graded for hazard risk: Alamo has 47 residents; we grade towns of 1,000 or more.
What Alamo 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
Ice storms
Winter storms
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); winter storms is FEMA’s “Winter Weather” (snow, sleet and freezing rain). 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 Alamo flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Alamo. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Alamo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Williams County.1 federal disaster brought FEMA money to Alamo
Disasters that paid out in Alamo itself (aid to households or repair grants to the City of Alamo), newest first, with that year’s flood claims.
- 2004Snow$2K to the City of Alamo for repairs
Williams County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Alamo after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Alamo archive →Get ready for what Alamo 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- 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 Alamo
Is Alamo 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 Williams County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Alamo?
FEMA’s Community Rating System list shows no discount for Alamo’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 Alamo?
By FEMA money that reached Alamo, Snow (2004): $2K to the City of Alamo for repairs.
Storm stories
Memories, warnings and help from neighbors in Alamo.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Alamo’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.