Photo: Nyttend · Public domainFEMA expects less hazard damage per building in Farmersville than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Farmersville gets an A for hazard risk: lower expected damage per building than 88% of U.S. towns. Most of that expected damage is river and rain flooding (79%). 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 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
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 Farmersville’s grade
River and rain flooding is 79% of the building damage FEMA expects in Farmersville, and Farmersville’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Next is earthquakes at 6% (higher than 58% of U.S. census tracts).
A lower expected damage per building than 88% of U.S. towns (21,298).
All of Farmersville’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $214K a year in losses across Farmersville: $161K to buildings, the rest to people and crops.
Does Farmersville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Farmersville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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: Montgomery County.4 federal disasters brought FEMA money to Farmersville
Disasters that paid out in Farmersville itself (aid to households or repair grants to the Village of Farmersville), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$16K to the Village of Farmersville for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides$9K to the Village of Farmersville for repairs
- 2004Snow$5K to the Village of Farmersville for repairs
- 2003Severe Winter Storm and Record/near Record Snow$2K to the Village of Farmersville for repairs
Montgomery County has had 10 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
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 →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.
- 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.
- 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 Farmersville
Is Farmersville at risk for natural disasters?
On FEMA’s National Risk Index, Farmersville has lower expected damage per building than 88% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (79%) and earthquakes (6%). 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 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 Montgomery County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.5% 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 Wind Storm Associated with Tropical Depression Ike (2008): $16K to the Village of Farmersville for repairs.
Is Farmersville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Farmersville’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Farmersville.
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.