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Crosbyton01 courthousePhoto: Lothar1976 · Public domain
B−Hazard risk
Natural hazards in Crosbyton · FEMA

Crosbyton’s building-damage rate from hail is in the top 3% of U.S. census tracts

On FEMA’s National Risk Index, Crosbyton gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns. Most of that expected damage is river and rain flooding (31%), then hail (24%). Flood insurance has paid 8 claims here since 1994.

River and rain flooding 31%Hail 24%Strong wind 20%

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 51%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B−
in Texas · lower than 51% of U.S. towns
Main hazard
River and rain flooding
31% of expected building damage
Flood claims
8
paid since 1994 · $512K
Flooded more than once
2
properties
Disasters paid out here
2
of 11 declared for Crosby County

What stands out about Crosbyton’s natural hazards

From FEMA’s model and FEMA’s records, below.

Hail: the top 3% of U.S. tractsFEMA’s building-damage rate for hail here ranks in the top 3% of U.S. census tracts; it is 24.5% of the damage it expects.Made safer with FEMA grants1 storm safe room built with FEMA grants.
By hazard

What Crosbyton 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

31%of expected building damage
Well below average · lower than 92% of U.S. census tracts
Recorded about once every 2 years in the area

Hail

24%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about 5 times a year in the area

Strong wind

20%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

14%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about once every 4 years in the area
Smaller shares here
 Ice storms Winter storms Earthquakes Cold waves Lightning Hurricanes 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 drought at 36% of Crosbyton’s expected losses. Drought does little damage to buildings (0.0%), 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 Crosbyton’s grade

River and rain flooding is 31% of the building damage FEMA expects in Crosbyton, and Crosbyton’s rate of river and rain flooding damage is lower than 92% of U.S. census tracts. Hail adds 24%, at a rate in the top 3% of U.S. census tracts.

Where Crosbyton sits
Crosbyton
Least damageMiddleMost damage

B− lower expected damage per building than 51% of U.S. towns (21,298).

All of Crosbyton’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding31%Hail24%Strong wind20%Everything else25%

In dollars, FEMA expects about $1.3M a year in losses across Crosbyton: $463K to buildings, the rest to people and crops.

Shared tract.All of Crosbyton’s 1,492 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Crosbyton flood? Rarely: 8 flood claims since 1994

Every paid claim on a federal flood insurance policy in Crosbyton, from FEMA’s records: 9.8 per 1,000 homes, more than 74% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1994: 1 claim1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 1 claim2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 2 claims2016: 0 claims2017: 4 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199420152017
19942026
Biggest named events
  • Hurricane Harvey4 claims · $325K
  • The Fall severe storms2 claims · $91K
8
paid claims since 1994
$512K
paid to owners
2
homes flooded more than once
$64K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of all homes are insured
No community discount

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

Insurance rates: Crosby County.
What’s been done with FEMA grants
1storm safe room built
Disasters

2 federal disasters brought FEMA money to Crosbyton

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

  1. 2021Severe Winter Storms$17K to the City of Crosbyton for repairs
  2. 2000Severe Winter Ice Storm$12K to the City of Crosbyton for repairs
Disasters declared, by decade
Paid out in CrosbytonCrosby County only

Crosby 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.

Were you here?

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

Add to the Crosbyton archive →
Be ready

Get ready for what Crosbyton 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 ↗
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 ↗
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 ↗
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 ↗
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 Crosbyton

Is Crosbyton at risk for natural disasters?

On FEMA’s National Risk Index, Crosbyton has lower expected damage per building than 51% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (31%) and hail (24%). 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.

Does Crosbyton flood?

Flood insurance has paid 8 claims in Crosbyton since 1994, $512K in all, or 9.8 per 1,000 homes, more than 74% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Hurricane Harvey (4).

Is Crosbyton 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 Crosby County, 0.3% of all homes carry federal flood insurance.

How much is flood insurance in Crosbyton?

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

By FEMA money that reached Crosbyton, Severe Winter Storms (2021): $17K to the City of Crosbyton for repairs. By flood claims, Hurricane Harvey: 4 paid, $325K.

Is Crosbyton at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (31%), and Crosbyton’s rate for it is lower than 92% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Crosbyton.

Town Square →
Start the conversation

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