Photo: formulanone · CC BY-SA 2.0For hail, Flower Mound’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Flower Mound gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns, #314 of 642 in Texas. Most of that expected damage is river and rain flooding (60%), then hail (21%). Flood insurance has paid 35 claims here since 1981.
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 Flower Mound’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Flower Mound 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 Flower Mound’s grade
River and rain flooding is 60% of the building damage FEMA expects in Flower Mound, and Flower Mound’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts. Hail adds 21%, at a rate in the top 3% of U.S. census tracts.
B− #314 of 642 in Texas; lower expected damage per building than 51% of U.S. towns (21,298).
Flower Mound’s residents live in 26 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Flower Mound has less expected damage per building than 51% of Texas towns.
In dollars, FEMA expects about $32.2M a year in losses across Flower Mound: $19.5M to buildings, the rest to people and crops.
Does Flower Mound flood? Sometimes: 35 flood claims since 1981
Every paid claim on a federal flood insurance policy in Flower Mound, from FEMA’s records: 1.2 per 1,000 homes, fewer than 74% of the 13,809 U.S. towns with a flood insurance record.
- The Early summer storms2 claims · $41K
- Tropical Storm Bill1 claim · $17K
- The Thunderstorms1 claim · $20K
Flower Mound is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Denton County.6 federal disasters brought FEMA money to Flower Mound
Disasters that paid out in Flower Mound itself (aid to households or repair grants to the Town of Flower Mound), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding63 households applied for aid$104K aid approved2 flood claims paid that year
- 2021Severe Winter Storms329 households applied for aid$70K aid approved$81K to the Town of Flower Mound for repairs
- 2017Hurricane Harvey1 households applied for aid$500 aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding16 households applied for aid$27K aid approved$198K to the Town of Flower Mound for repairs4 flood claims paid that year
- 2007Severe Storms, Tornadoes, and Flooding10 households applied for aid$6K aid approved
- 2007Severe Storms and Tornadoes10 households applied for aid$170 aid approved
Denton County has had 17 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 Denton County, 2006–2006.
Old photos of Flower Mound after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Flower Mound archive →Flower Mound and its neighbors
Flower Mound is 5th of the 10 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 |
|---|---|---|---|
| Bartonville | B+less damage than 67% | river and rain flooding | 1 |
| Roanoke | B+less damage than 66% | river and rain flooding | 1 |
| Grapevine | B−less damage than 54% | river and rain flooding | 47 |
| Northlake | B−less damage than 52% | river and rain flooding | — |
| Flower Mound | B−less damage than 51% | river and rain flooding | 35 |
| Copper Canyon | B−less damage than 51% | river and rain flooding | 4 |
| Lewisville | B−more damage than 51% | river and rain flooding | 54 |
| Double Oak | B−more damage than 51% | river and rain flooding | 15 |
| Highland Village | B−more damage than 51% | river and rain flooding | 14 |
| Argyle | C+more damage than 55% | river and rain flooding | 10 |
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 Flower Mound 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.
- Flower Mound residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Flower Mound
Is Flower Mound at risk for natural disasters?
On FEMA’s National Risk Index, Flower Mound has lower expected damage per building than 51% of U.S. towns: B− for hazard risk, #314 of 642 in Texas. Most of the expected damage is river and rain flooding (60%) and hail (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Flower Mound flood?
Flood insurance has paid 35 claims in Flower Mound since 1981, $1.0M in all, or 1.2 per 1,000 homes, fewer than 74% of U.S. towns with a flood insurance record. 6 properties have flooded more than once. The most claims came from Early summer storms (2).
Is Flower Mound 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 Denton County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Flower Mound?
Flower Mound is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Flower Mound?
By FEMA money that reached Flower Mound, Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015): 16 households applied for aid, $27K approved, and $198K to the Town of Flower Mound for repairs. By flood claims, Early summer storms: 2 paid, $41K.
Is Flower Mound at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Flower Mound’s rate for it is lower than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Flower Mound.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Flower Mound’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.