Robert E. Howard House · Photo: 0ccam · CC BY-SA 2.0Storms, floods and disasters in Cross Plains
Cross Plains isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Cross Plains yet.
What Cross Plains 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
Hail
Tornadoes
Wildfire
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.
Does Cross Plains flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cross Plains. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cross Plains isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Callahan County.4 federal disasters brought FEMA money to Cross Plains
Disasters that paid out in Cross Plains itself (aid to households or repair grants to the Town of Cross Plains), newest first, with that year’s flood claims.
- 2016Severe Storms and Flooding$46K to the Town of Cross Plains for repairs
- 2007Severe Storms, Tornadoes, and Flooding$30K to the Town of Cross Plains for repairs
- 2005Extreme Wildfire Threat101 households applied for aid$420K aid approved
- 2002Severe Storms and Flooding$14K to the Town of Cross Plains for repairs
Callahan County has had 16 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Callahan County, 2005–2009.
Old photos of Cross Plains after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cross Plains archive →Get ready for what Cross Plains 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.
- 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.
- 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.
- 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.
- 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 Cross Plains
Is Cross Plains 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 Callahan County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Cross Plains?
FEMA’s Community Rating System list shows no discount for Cross Plains’ 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 Cross Plains?
By FEMA money that reached Cross Plains, Extreme Wildfire Threat (2005): 101 households applied for aid, $420K approved.
Storm stories
Memories, warnings and help from neighbors in Cross Plains.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cross Plains’ 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.