Photo: Smarty9108 · CC BY-SA 4.0For hail, Haltom City’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Haltom City gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns, #434 of 642 in Texas. Most of that expected damage is river and rain flooding (64%), then hail (24%). Flood insurance has paid 89 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 Haltom City’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Haltom City 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 Haltom City’s grade
River and rain flooding is 64% of the building damage FEMA expects in Haltom City, and Haltom City’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Hail adds 24%, at a rate in the top 2% of U.S. census tracts.
C+ #434 of 642 in Texas; higher expected damage per building than 64% of U.S. towns (21,298).
Haltom City’s residents live in 14 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, Haltom City has more expected damage per building than 68% of Texas towns.
In dollars, FEMA expects about $13.5M a year in losses across Haltom City: $8.4M to buildings, the rest to people and crops.
Does Haltom City flood? Sometimes: 89 flood claims since 1979
Every paid claim on a federal flood insurance policy in Haltom City, from FEMA’s records: 4.7 per 1,000 homes, more than 59% of the 13,809 U.S. towns with a flood insurance record.
- The Thunderstorms9 claims · $519K
- The Dallas Flash Floods5 claims · $323K
- Tropical Storm Claudette1 claim · $6K
Haltom City is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Tarrant County.3 federal disasters brought FEMA money to Haltom City
Disasters that paid out in Haltom City itself (aid to households or repair grants to the City of Haltom City), newest first, with that year’s flood claims.
- 2021Severe Winter Storms437 households applied for aid$159K aid approved$62K to the City of Haltom City for repairs
- 2007Severe Storms, Tornadoes, and Flooding180 households applied for aid$1.4M aid approved$667K to the City of Haltom City for repairs9 flood claims paid that year
- 2005Hurricane Rita$23K to the City of Haltom City 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 Haltom City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Haltom City archive →Haltom City and its neighbors
Haltom City is 5th of the 5 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 |
| Richland Hills | B−more damage than 50% | river and rain flooding | 82 |
| North Richland Hills | C+more damage than 56% | river and rain flooding | 88 |
| Watauga | C+more damage than 60% | river and rain flooding | 68 |
| Haltom City | C+more damage than 64% | river and rain flooding | 89 |
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 Haltom City 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.
- Haltom City 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 Haltom City
Is Haltom City at risk for natural disasters?
On FEMA’s National Risk Index, Haltom City has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk, #434 of 642 in Texas. Most of the expected damage is river and rain flooding (64%) and hail (24%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Haltom City flood?
Flood insurance has paid 89 claims in Haltom City since 1979, $3.5M in all, or 4.7 per 1,000 homes, more than 59% of U.S. towns with a flood insurance record. 11 properties have flooded more than once. The most claims came from Thunderstorms (9).
Is Haltom City 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 Haltom City?
Haltom City 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 Haltom City?
By FEMA money that reached Haltom City, Severe Storms, Tornadoes, and Flooding (2007): 180 households applied for aid, $1.4M approved, and $667K to the City of Haltom City for repairs. By flood claims, Thunderstorms: 9 paid, $519K.
Is Haltom City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Haltom City’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Haltom City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Haltom City’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.