Photo: Larry D. Moore · CC BY 4.0Floydada’s building-damage rate from hail is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Floydada gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns. Most of that expected damage is hail (34%), then river and rain flooding (33%). Flood insurance has paid 1 claim here since 2002.
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 Floydada faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hail
River and rain flooding
Tornadoes
Strong wind
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 Floydada’s grade
Hail is 34% of the building damage FEMA expects in Floydada, and Floydada’s rate of hail damage is in the top 1% of U.S. census tracts. Tornadoes add 14%, at a rate in the top 8% of U.S. census tracts.
C+ higher expected damage per building than 56% of U.S. towns (21,298).
All of Floydada’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $3.3M a year in losses across Floydada: $1.0M to buildings, the rest to people and crops.
Does Floydada flood? Rarely: 1 flood claim since 2002
Every paid claim on a federal flood insurance policy in Floydada, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
- The Torrential rain1 claim · $14K
Floydada isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Floyd County.1 federal disaster brought FEMA money to Floydada
Disasters that paid out in Floydada itself (aid to households or repair grants to the City of Floydada), newest first, with that year’s flood claims.
- 2000Severe Winter Ice Storm$10K to the City of Floydada for repairs
Floyd County has had 11 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.
Old photos of Floydada after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Floydada archive →Get ready for what Floydada faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Floydada
Is Floydada at risk for natural disasters?
On FEMA’s National Risk Index, Floydada has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk. Most of the expected damage is hail (34%) and river and rain flooding (33%). 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 Floydada flood?
Flood insurance has paid 1 claim in Floydada since 2002, $14K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record. The most claims came from Torrential rain (1).
Is Floydada 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 Floyd County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Floydada?
FEMA’s Community Rating System list shows no discount for Floydada’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 Floydada?
By FEMA money that reached Floydada, Severe Winter Ice Storm (2000): $10K to the City of Floydada for repairs. By flood claims, Torrential rain: 1 paid, $14K.
Is Floydada at risk from hail?
It is the largest share of the building damage FEMA expects here (34%), and Floydada’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Floydada.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Floydada’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.