FEMA expects more hazard damage per building in Everman than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Everman gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns, #485 of 642 in Texas. Most of that expected damage is river and rain flooding (69%), then hail (20%). Flood insurance has paid 80 claims here since 1979.
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
What stands out about Everman’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Everman 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
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.
What’s behind Everman’s grade
River and rain flooding is 69% of the building damage FEMA expects in Everman, and Everman’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Hail adds 20%, at a rate in the top 2% of U.S. census tracts.
C #485 of 642 in Texas; higher expected damage per building than 72% of U.S. towns (21,298).
All of Everman’s residents live in one census tract; the figures are that tract’s.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Everman has more expected damage per building than 76% of Texas towns.
In dollars, FEMA expects about $1.9M a year in losses across Everman: $1.0M to buildings, the rest to people and crops.
Does Everman flood? Sometimes: 80 flood claims since 1979
Every paid claim on a federal flood insurance policy in Everman, from FEMA’s records: 37.1 per 1,000 homes, more than 90% of the 13,809 U.S. towns with a flood insurance record.
- The Texas Spring Flooding9 claims · $420K
- The Dallas Flash Floods3 claims · $149K
- The Early summer storms1 claim · $9K
Everman isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Tarrant County.2 federal disasters brought FEMA money to Everman
Disasters that paid out in Everman itself (aid to households or repair grants to the City of Everman), newest first, with that year’s flood claims.
- 2021Severe Winter Storms39 households applied for aid$41K aid approved
- 2005Hurricane Katrina Evacuation$1K to the City of Everman for repairs
Tarrant County has had 21 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Tarrant County, 2005–2005.
Old photos of Everman after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Everman archive →Everman and its neighbors
Everman is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Fort Worth | B−less damage than 55% | river and rain flooding | 482 |
| Everman | Cmore damage than 72% | river and rain flooding | 80 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Everman 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.
- 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 Everman
Is Everman at risk for natural disasters?
On FEMA’s National Risk Index, Everman has higher expected damage per building than 72% of U.S. towns: C for hazard risk, #485 of 642 in Texas. Most of the expected damage is river and rain flooding (69%) and hail (20%). 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 Everman flood?
Flood insurance has paid 80 claims in Everman since 1979, $2.2M in all, or 37.1 per 1,000 homes, more than 90% of U.S. towns with a flood insurance record. 10 properties have flooded more than once. The most claims came from Texas Spring Flooding (9).
Is Everman 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 Tarrant County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in Everman?
FEMA’s Community Rating System list shows no discount for Everman’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 Everman?
By FEMA money that reached Everman, Severe Winter Storms (2021): 39 households applied for aid, $41K approved. By flood claims, Texas Spring Flooding: 9 paid, $420K.
Is Everman at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Everman’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Everman.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Everman’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.