Franklin County Courthouse and Jail · Photo: Michael Barera · CC BY-SA 4.0For wildfire, Post’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Post gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns, #300 of 642 in Texas. Most of that expected damage is wildfire (26%), then river and rain flooding (25%). Flood insurance has paid 1 claim 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 Post faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
River and rain flooding
Hail
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 Post’s grade
Wildfire is 26% of the building damage FEMA expects in Post, and Post’s rate of wildfire damage is in the top 3% of U.S. census tracts. Hail adds 22%, at a rate in the top 3% of U.S. census tracts.
B− #300 of 642 in Texas; lower expected damage per building than 53% of U.S. towns (21,298).
Post’s residents live in 3 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, Post has less expected damage per building than 53% of Texas towns.
In dollars, FEMA expects about $3.4M a year in losses across Post: $1.0M to buildings, the rest to people and crops.
Does Post flood? Rarely: 1 flood claim since 1979
Every paid claim on a federal flood insurance policy in Post, from FEMA’s records: 0.6 per 1,000 homes, fewer than 86% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Claudette1 claim · $6K
Post isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Garza County.3 federal disasters brought FEMA money to Post
Disasters that paid out in Post itself (aid to households or repair grants to the City of Post), newest first, with that year’s flood claims.
- 2021Severe Winter Storms$47K to the City of Post for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding$31K to the City of Post for repairs
- 2000Severe Winter Ice Storm$9K to the City of Post for repairs
Garza County has had 12 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 Post after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Post archive →Get ready for what Post faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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.
- 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 Post
Is Post at risk for natural disasters?
On FEMA’s National Risk Index, Post has lower expected damage per building than 53% of U.S. towns: B− for hazard risk, #300 of 642 in Texas. Most of the expected damage is wildfire (26%) and river and rain flooding (25%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Post flood?
Flood insurance has paid 1 claim in Post since 1979, $6K in all, or 0.6 per 1,000 homes, fewer than 86% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Claudette (1).
Is Post 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 Garza County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Post?
FEMA’s Community Rating System list shows no discount for Post’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 Post?
By FEMA money that reached Post, Severe Winter Storms (2021): $47K to the City of Post for repairs. By flood claims, Tropical Storm Claudette: 1 paid, $6K.
Is Post at risk from wildfire?
It is the largest share of the building damage FEMA expects here (26%), and Post’s rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Post.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Post’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.