Photo: Billy Hathorn · CC BY-SA 3.0FEMA expects more hazard damage per building in Junction than in 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Junction gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns, #539 of 642 in Texas. Most of that expected damage is river and rain flooding (91%). Flood insurance has paid 9 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 Junction 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
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 Junction’s grade
River and rain flooding is 91% of the building damage FEMA expects in Junction, and Junction’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts.
C− #539 of 642 in Texas; higher expected damage per building than 78% of U.S. towns (21,298).
Junction’s residents live in 2 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, Junction has more expected damage per building than 84% of Texas towns.
In dollars, FEMA expects about $2.4M a year in losses across Junction: $1.4M to buildings, the rest to people and crops.
Does Junction flood? Rarely: 9 flood claims since 1981
Every paid claim on a federal flood insurance policy in Junction, from FEMA’s records: 7.1 per 1,000 homes, more than 67% of the 13,809 U.S. towns with a flood insurance record.
Junction isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kimble County.3 federal disasters brought FEMA money to Junction
Disasters that paid out in Junction itself (aid to households or repair grants to the City of Junction), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, and Flooding6 households applied for aid$24K aid approved
- 2018Severe Storms and Flooding$1.3M to the City of Junction for repairs
- 1998Tropical Storm Charley$6K to the City of Junction for repairs
Kimble County has had 15 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 Kimble County, 2011–2011.
Old photos of Junction after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Junction archive →Get ready for what Junction 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.
- 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 Junction
Is Junction at risk for natural disasters?
On FEMA’s National Risk Index, Junction has higher expected damage per building than 78% of U.S. towns: C− for hazard risk, #539 of 642 in Texas. Most of the expected damage is river and rain flooding (91%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Junction flood?
Flood insurance has paid 9 claims in Junction since 1981, $58K in all, or 7.1 per 1,000 homes, more than 67% of U.S. towns with a flood insurance record.
Is Junction 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 Kimble County, 1.8% of all homes carry federal flood insurance.
How much is flood insurance in Junction?
FEMA’s Community Rating System list shows no discount for Junction’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 Junction?
By FEMA money that reached Junction, Severe Storms and Flooding (2018): $1.3M to the City of Junction for repairs.
Is Junction at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (91%), and Junction’s rate for it is higher than 89% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Junction.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Junction’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.