Frisco’s building-damage rate from hail is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Frisco gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns, #340 of 642 in Texas. Most of that expected damage is river and rain flooding (54%), then hail (31%). Flood insurance has paid 15 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 Frisco’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Frisco 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 Frisco’s grade
River and rain flooding is 54% of the building damage FEMA expects in Frisco, and Frisco’s rate of river and rain flooding damage is lower than 59% of U.S. census tracts. Hail adds 31%, at a rate in the top 2% of U.S. census tracts.
B− #340 of 642 in Texas; higher expected damage per building than 52% of U.S. towns (21,298).
Frisco’s residents live in 42 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, Frisco has more expected damage per building than 53% of Texas towns.
Among the 400 U.S. cities of 100,000 or more, Frisco has lower expected damage per building than 58% (#170 of 400). Because it is so big, its total expected yearly loss, $114M, is the 94th largest of those 400.
Does Frisco flood? Sometimes: 15 flood claims since 1981
Every paid claim on a federal flood insurance policy in Frisco, from FEMA’s records: 0.2 per 1,000 homes, fewer than 97% of the 13,809 U.S. towns with a flood insurance record.
- The Early summer storms1 claim · $21K
- The 2026-06-Arthur-TS1 claim · $16K
Frisco isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Collin County.5 federal disasters brought FEMA money to Frisco
Disasters that paid out in Frisco itself (aid to households or repair grants to the City of Frisco), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding237 households applied for aid$176K aid approved4 flood claims paid that year
- 2021Severe Winter Storms1,700 households applied for aid$450K aid approved$4K to the City of Frisco for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding14 households applied for aid$42K aid approved$4K to the City of Frisco for repairs1 flood claim paid that year
- 2007Severe Storms, Tornadoes, and Flooding1 households applied for aid$1K aid approved
- 2005Hurricane Katrina Evacuation$595K to the City of Frisco for repairs
Its 2 counties have had 18 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in its 2 counties, 2006–2006.
Old photos of Frisco after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Frisco archive →Frisco and its neighbors
Frisco is 4th of the 7 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 |
|---|---|---|---|
| The Colony | Bless damage than 64% | river and rain flooding | 5 |
| Hackberry | Bless damage than 64% | river and rain flooding | — |
| Little Elm | B−less damage than 52% | river and rain flooding | 6 |
| Frisco | B−more damage than 52% | river and rain flooding | 15 |
| Prosper | C+more damage than 56% | river and rain flooding | 1 |
| McKinney | C+more damage than 57% | river and rain flooding | 12 |
| Plano | C+more damage than 65% | river and rain flooding | 71 |
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 Frisco 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 Frisco
Is Frisco at risk for natural disasters?
On FEMA’s National Risk Index, Frisco has higher expected damage per building than 52% of U.S. towns: B− for hazard risk, #340 of 642 in Texas. Most of the expected damage is river and rain flooding (54%) and hail (31%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Frisco flood?
Flood insurance has paid 15 claims in Frisco since 1981, $570K in all, or 0.2 per 1,000 homes, fewer than 97% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from Early summer storms (1).
Is Frisco 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 Collin County, 34% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Frisco?
FEMA’s Community Rating System list shows no discount for Frisco’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 Frisco?
By FEMA money that reached Frisco, Hurricane Katrina Evacuation (2005): $595K to the City of Frisco for repairs. By flood claims, Early summer storms: 1 paid, $21K.
Is Frisco at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Frisco’s rate for it is lower than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Frisco.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Frisco’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.