Annetta’s building-damage rate from wildfire is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Annetta gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns, #223 of 642 in Texas. Most of that expected damage is river and rain flooding (64%), then wildfire (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 Annetta 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
Wildfire
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 Annetta’s grade
River and rain flooding is 64% of the building damage FEMA expects in Annetta, and Annetta’s rate of river and rain flooding damage is lower than 61% of U.S. census tracts. Wildfire adds 17%, at a rate in the top 4% of U.S. census tracts.
B #223 of 642 in Texas; lower expected damage per building than 63% of U.S. towns (21,298).
Annetta’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Annetta has less expected damage per building than 65% of Texas towns.
In dollars, FEMA expects about $1.1M a year in losses across Annetta: $627K to buildings, the rest to people and crops.
Does Annetta flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Annetta. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Annetta isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Parker County.The storms Annetta remembers
None of the 19 disasters declared for Parker County shows FEMA aid or repair money reaching Annetta itself in FEMA’s records, so these are its biggest flood-claim years.
Parker County has had 19 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Parker County, 2000–2000.
Annetta and its neighbors
Annetta has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Annetta | Bless damage than 63% | river and rain flooding | 0 |
| Annetta South | — | 763 residents; we grade 1,000+ | |
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 Annetta 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Annetta
Is Annetta at risk for natural disasters?
On FEMA’s National Risk Index, Annetta has lower expected damage per building than 63% of U.S. towns: B for hazard risk, #223 of 642 in Texas. Most of the expected damage is river and rain flooding (64%) and wildfire (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Annetta 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 Parker County, 19% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Annetta?
FEMA’s Community Rating System list shows no discount for Annetta’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Annetta at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Annetta’s rate for it is lower than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Annetta.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Annetta’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.