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Chandler, TX, Library IMG 0558Photo: Billy Hathorn · CC BY-SA 3.0
A−Hazard risk
Natural hazards in Chandler · FEMA

Less hazard damage per building is expected in Chandler than in 84% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Chandler gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns, #81 of 642 in Texas. Most of that expected damage is river and rain flooding (71%). Flood insurance has paid 2 claims here since 2006.

River and rain flooding 71%Tornadoes 9%Strong wind 6%

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

less than 84%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#81 of 642 in Texas
Hazard risk
A−#81 of 642
in Texas · lower than 84% of U.S. towns
Main hazard
River and rain flooding
71% of expected building damage
Flood claims
2
paid since 2006 · $19K
Disasters paid out here
5
of 19 declared for Henderson County
By hazard

What Chandler 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

71%of expected building damage
Below average · lower than 72% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

9%of expected building damage
Above average · higher than 60% of U.S. census tracts

Strong wind

6%of expected building damage
Well above average · in the top 10% of U.S. census tracts
Recorded about 4 times a year in the area

Hail

6%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Hurricanes Ice storms Earthquakes Wildfire Cold waves top 1% Winter storms Lightning Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 42% of Chandler’s expected losses. Cold waves do little damage to buildings (0.8%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Chandler’s grade

River and rain flooding is 71% of the building damage FEMA expects in Chandler, and Chandler’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 10% of U.S. census tracts.

Where Chandler sits
Chandler
Least damageMiddleMost damage

A− #81 of 642 in Texas; lower expected damage per building than 84% of U.S. towns (21,298).

Chandler’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding71%Tornadoes9%Strong wind6%Everything else14%

The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Chandler has less expected damage per building than 88% of Texas towns.

In dollars, FEMA expects about $1.4M a year in losses across Chandler: $425K to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Severe Storms, Straight-line Winds, Tornadoes, and Flooding in 2024, FEMA took 290 aid registrations from Chandler addresses (the town has 1,833 homes).
A small-area figure. Chandler covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Chandler flood? Rarely: 2 flood claims since 2006

Every paid claim on a federal flood insurance policy in Chandler, from FEMA’s records: 1.1 per 1,000 homes, fewer than 76% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2006: 1 claim2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 1 claim2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims20062015
20062026
2
paid claims since 2006
$19K
paid to owners
0
homes flooded more than once
$9K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Chandler isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Henderson County.
Disasters

5 federal disasters brought FEMA money to Chandler

Disasters that paid out in Chandler itself (aid to households or repair grants to the City of Chandler), newest first, with that year’s flood claims.

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding290 households applied for aid$1.5M aid approved
  2. 2021Severe Winter Storms194 households applied for aid$131K aid approved
  3. 2016Severe Storms, Tornadoes, and Flooding5 households applied for aid$7K aid approved
  4. 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding16 households applied for aid$30K aid approved$35K to the City of Chandler for repairs1 flood claim paid that year
  5. 2007Severe Storms, Tornadoes, and Flooding13 households applied for aid$14K aid approved$38K to the City of Chandler for repairs
Disasters declared, by decade
Paid out in ChandlerHenderson County only

Henderson 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.

Were you here?

Old photos of Chandler after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Chandler archive →
Be ready

Get ready for what Chandler faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Chandler

Is Chandler at risk for natural disasters?

On FEMA’s National Risk Index, Chandler has lower expected damage per building than 84% of U.S. towns: A− for hazard risk, #81 of 642 in Texas. Most of the expected damage is river and rain flooding (71%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Chandler flood?

Flood insurance has paid 2 claims in Chandler since 2006, $19K in all, or 1.1 per 1,000 homes, fewer than 76% of U.S. towns with a flood insurance record.

Is Chandler 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 Henderson County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Chandler?

FEMA’s Community Rating System list shows no discount for Chandler’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 Chandler?

By FEMA money that reached Chandler, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): 290 households applied for aid, $1.5M approved.

Is Chandler at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (71%), and Chandler’s rate for it is lower than 72% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Chandler.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Chandler’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.