Samuel Bell Maxey House · Photo: Michael Barera · CC BY-SA 4.0Paris’s building-damage rate from tornadoes is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Paris gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns, #226 of 642 in Texas. Most of that expected damage is river and rain flooding (44%), then tornadoes (22%). Flood insurance has paid 103 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 Paris’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Paris 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
Tornadoes
Ice storms
Hail
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 Paris’ grade
River and rain flooding is 44% of the building damage FEMA expects in Paris, and Paris’ rate of river and rain flooding damage is lower than 83% of U.S. census tracts. Tornadoes add 22%, at a rate in the top 3% of U.S. census tracts.
B #226 of 642 in Texas; lower expected damage per building than 63% of U.S. towns (21,298).
Paris’ residents live in 9 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, Paris has less expected damage per building than 65% of Texas towns.
In dollars, FEMA expects about $14.2M a year in losses across Paris: $7.1M to buildings, the rest to people and crops.
Does Paris flood? Yes: 103 flood claims since 1979
Every paid claim on a federal flood insurance policy in Paris, from FEMA’s records: 8.9 per 1,000 homes, more than 72% of the 13,809 U.S. towns with a flood insurance record.
- The 2025 July Central TX Flooding2 claims · $61K
- The Early summer storms1 claim · $8K
Paris isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lamar County.4 federal disasters brought FEMA money to Paris
Disasters that paid out in Paris itself (aid to households or repair grants to the City of Paris), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding217 households applied for aid$397K aid approved6 flood claims paid that year
- 2021Severe Winter Storms103 households applied for aid$27K aid approved$17K to the City of Paris for repairs1 flood claim paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding$41K to the City of Paris for repairs3 flood claims paid that year
- 2000Severe Winter Ice Storm$1.5M to the City of Paris for repairs1 flood claim paid that year
Lamar County has had 19 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.
Old photos of Paris after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Paris archive →Paris and its neighbors
Paris has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Paris | Bless damage than 63% | river and rain flooding | 103 |
| Reno | Bless damage than 56% | river and rain flooding | 8 |
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 Paris 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.
- 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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.
- 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 Paris
Is Paris at risk for natural disasters?
On FEMA’s National Risk Index, Paris has lower expected damage per building than 63% of U.S. towns: B for hazard risk, #226 of 642 in Texas. Most of the expected damage is river and rain flooding (44%) and tornadoes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Paris flood?
Flood insurance has paid 103 claims in Paris since 1979, $2.3M in all, or 8.9 per 1,000 homes, more than 72% of U.S. towns with a flood insurance record. 16 properties have flooded more than once. The most claims came from 2025 July Central TX Flooding (2).
Is Paris 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 Lamar County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Paris?
FEMA’s Community Rating System list shows no discount for Paris’ 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 Paris?
By FEMA money that reached Paris, Severe Winter Ice Storm (2000): $1.5M to the City of Paris for repairs. By flood claims, 2025 July Central TX Flooding: 2 paid, $61K.
Is Paris at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (44%), and Paris’ rate for it is lower than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Paris.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Paris’ 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.