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AHazard risk
Natural hazards in Electra · FEMA

On FEMA’s figures, Electra faces less hazard damage per building than 93% of U.S. towns, led by river and rain flooding

On FEMA’s National Risk Index, Electra gets an A for hazard risk: lower expected damage per building than 93% of U.S. towns. Most of that expected damage is river and rain flooding (41%), then tornadoes (21%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 41%Tornadoes 21%Wildfire 18%

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 93%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 93% of U.S. towns
Main hazard
River and rain flooding
41% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 15 declared for Wichita County

What stands out about Electra’s natural hazards

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

Lower expected damage than 93% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Made safer with FEMA grants5 storm safe rooms built with FEMA grants.
By hazard

What Electra 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

41%of expected building damage
Well below average · lower than 97% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

21%of expected building damage
Well above average · higher than 84% of U.S. census tracts

Wildfire

18%of expected building damage
Well above average · in the top 5% of U.S. census tracts

Hail

11%of expected building damage
Well above average · higher than 86% of U.S. census tracts
Recorded about 8 times a year in the area
Smaller shares here
 Ice storms Earthquakes Strong wind Lightning Hurricanes Cold waves top 4% Winter storms 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 heat waves at 10% of Electra’s expected losses. Heat waves do 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 Electra’s grade

River and rain flooding is 41% of the building damage FEMA expects in Electra, and Electra’s rate of river and rain flooding damage is lower than 97% of U.S. census tracts. Wildfire adds 18%, at a rate in the top 5% of U.S. census tracts.

Where Electra sits
Electra
Least damageMiddleMost damage

A lower expected damage per building than 93% of U.S. towns (21,298).

Electra’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 flooding41%Tornadoes21%Wildfire18%Everything else20%

In dollars, FEMA expects about $612K a year in losses across Electra: $404K to buildings, the rest to people and crops.

A small-area figure. Electra 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 Electra flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Electra. 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

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

Insurance rates: Wichita County.
What’s been done with FEMA grants
5storm safe rooms built
Disasters

3 federal disasters brought FEMA money to Electra

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

  1. 2021Severe Winter Storms22 households applied for aid$2K aid approved
  2. 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding13 households applied for aid$4K aid approved$49K to the City of Electra for repairs
  3. 2007Severe Storms, Tornadoes, and Flooding6 households applied for aid$9K aid approved$54K to the City of Electra for repairs
Disasters declared, by decade
Paid out in ElectraWichita County only

Wichita County has had 15 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 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Wichita County, 2009–2021.

Were you here?

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

Add to the Electra archive →
Be ready

Get ready for what Electra 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 ↗
Wildfire
  • 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.
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 Electra

Is Electra at risk for natural disasters?

On FEMA’s National Risk Index, Electra has lower expected damage per building than 93% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (41%) and tornadoes (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Electra 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 Wichita County, 19% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.

How much is flood insurance in Electra?

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

By FEMA money that reached Electra, Severe Storms, Tornadoes, and Flooding (2007): 6 households applied for aid, $9K approved, and $54K to the City of Electra for repairs.

Is Electra at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (41%), and Electra’s rate for it is lower than 97% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Electra.

Town Square →
Start the conversation

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