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William H. and Molly P. Humphries HouseWilliam H. and Molly P. Humphries House · Photo: Renelibrary · CC BY-SA 4.0
AHazard risk
Natural hazards in Edgewood · FEMA

On FEMA’s figures, Edgewood faces less hazard damage per building than 86% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Edgewood gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (60%), then tornadoes (15%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 60%Tornadoes 15%Hail 10%

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 86%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A
in Texas · lower than 86% of U.S. towns
Main hazard
River and rain flooding
60% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 15 declared for Van Zandt County
By hazard

What Edgewood 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

60%of expected building damage
Well below average · lower than 84% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

15%of expected building damage
Above average · higher than 75% of U.S. census tracts
Recorded about once every 18 years in the area

Hail

10%of expected building damage
Well above average · higher than 86% of U.S. census tracts
Recorded about 5 times a year in the area

Strong wind

6%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Ice storms Hurricanes Earthquakes Wildfire Winter storms Cold waves 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 16% of Edgewood’s expected losses. Cold waves do little damage to buildings (0.2%), 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 Edgewood’s grade

River and rain flooding is 60% of the building damage FEMA expects in Edgewood, and Edgewood’s rate of river and rain flooding damage is lower than 84% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 9% of U.S. census tracts.

Where Edgewood sits
Edgewood
Least damageMiddleMost damage

A lower expected damage per building than 86% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding60%Tornadoes15%Hail10%Everything else16%

In dollars, FEMA expects about $492K a year in losses across Edgewood: $254K to buildings, the rest to people and crops.

Shared tract.All of Edgewood’s 1,530 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 Edgewood flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Edgewood. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Van Zandt County.
Disasters

3 federal disasters brought FEMA money to Edgewood

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

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding33 households applied for aid$95K aid approved
  2. 2021Severe Winter Storms30 households applied for aid$7K aid approved
  3. 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding2 households applied for aid$2K aid approved
Disasters declared, by decade
Paid out in EdgewoodVan Zandt County only

Van Zandt County has had 15 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 Edgewood after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Edgewood archive →
Be ready

Get ready for what Edgewood 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 ↗
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 ↗
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 Edgewood

Is Edgewood at risk for natural disasters?

On FEMA’s National Risk Index, Edgewood has lower expected damage per building than 86% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (60%) and tornadoes (15%). 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.

Is Edgewood 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 Van Zandt County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Edgewood?

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

By FEMA money that reached Edgewood, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): 33 households applied for aid, $95K approved.

Is Edgewood at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (60%), and Edgewood’s rate for it is lower than 84% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Edgewood.

Town Square →
Start the conversation

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