Photo: Michael Barera · CC BY-SA 4.0For ice storms, Caddo Mills’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Caddo Mills gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns, #352 of 642 in Texas. Most of that expected damage is river and rain flooding (62%), then tornadoes (14%). 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 Caddo Mills 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
Hail
Ice 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). 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 Caddo Mills’ grade
River and rain flooding is 62% of the building damage FEMA expects in Caddo Mills, and Caddo Mills’ rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Tornadoes add 14%, at a rate in the top 9% of U.S. census tracts.
B− #352 of 642 in Texas; higher expected damage per building than 54% of U.S. towns (21,298).
Caddo Mills’ residents live in 3 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, Caddo Mills has more expected damage per building than 55% of Texas towns.
In dollars, FEMA expects about $634K a year in losses across Caddo Mills: $298K to buildings, the rest to people and crops.
Does Caddo Mills flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Caddo Mills. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Caddo Mills isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hunt County.2 federal disasters brought FEMA money to Caddo Mills
Disasters that paid out in Caddo Mills itself (aid to households or repair grants to the City of Caddo Mills), newest first, with that year’s flood claims.
- 2021Severe Winter Storms44 households applied for aid$54K aid approved
- 2007Severe Storms, Tornadoes, and Flooding$28K to the City of Caddo Mills for repairs
Hunt County has had 11 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Hunt County, 1998–1998.
Old photos of Caddo Mills after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Caddo Mills archive →Get ready for what Caddo Mills 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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.
- 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 Caddo Mills
Is Caddo Mills at risk for natural disasters?
On FEMA’s National Risk Index, Caddo Mills has higher expected damage per building than 54% of U.S. towns: B− for hazard risk, #352 of 642 in Texas. Most of the expected damage is river and rain flooding (62%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Caddo Mills 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 Hunt County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Caddo Mills?
FEMA’s Community Rating System list shows no discount for Caddo Mills’ 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 Caddo Mills?
By FEMA money that reached Caddo Mills, Severe Winter Storms (2021): 44 households applied for aid, $54K approved.
Is Caddo Mills at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Caddo Mills’ rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Caddo Mills.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Caddo Mills’ 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.