Prosper’s building-damage rate from hail is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Prosper gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns, #372 of 642 in Texas. Most of that expected damage is river and rain flooding (54%), then hail (34%). Flood insurance has paid 1 claim here since 2018.
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 Prosper’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Prosper 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 Prosper’s grade
River and rain flooding is 54% of the building damage FEMA expects in Prosper, and Prosper’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Hail adds 34%, at a rate in the top 1% of U.S. census tracts.
C+ #372 of 642 in Texas; higher expected damage per building than 56% of U.S. towns (21,298).
Prosper’s residents live in 4 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, Prosper has more expected damage per building than 58% of Texas towns.
In dollars, FEMA expects about $19.6M a year in losses across Prosper: $9.1M to buildings, the rest to people and crops.
Does Prosper flood? Rarely: 1 flood claim since 2018
Every paid claim on a federal flood insurance policy in Prosper, from FEMA’s records: 0.1 per 1,000 homes, fewer than 99% of the 13,809 U.S. towns with a flood insurance record.
Prosper 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.3 federal disasters brought FEMA money to Prosper
Disasters that paid out in Prosper itself (aid to households or repair grants to the Town of Prosper), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding40 households applied for aid$17K aid approved
- 2021Severe Winter Storms169 households applied for aid$56K aid approved$75K to the Town of Prosper for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding1 households applied for aid$31K to the Town of Prosper 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 Prosper after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Prosper archive →Prosper and its neighbors
Prosper is 5th of the 6 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 |
|---|---|---|---|
| Savannah | B+less damage than 72% | 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 |
| Celina | C+more damage than 55% | river and rain flooding | 2 |
| Prosper | C+more damage than 56% | river and rain flooding | 1 |
| McKinney | C+more damage than 57% | river and rain flooding | 12 |
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 Prosper 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 Prosper
Is Prosper at risk for natural disasters?
On FEMA’s National Risk Index, Prosper has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk, #372 of 642 in Texas. Most of the expected damage is river and rain flooding (54%) and hail (34%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Prosper flood?
Flood insurance has paid 1 claim in Prosper since 2018, $7K in all, or 0.1 per 1,000 homes, fewer than 99% of U.S. towns with a flood insurance record.
Is Prosper 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 Prosper?
FEMA’s Community Rating System list shows no discount for Prosper’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 Prosper?
By FEMA money that reached Prosper, Severe Winter Storms (2021): 169 households applied for aid, $56K approved, and $75K to the Town of Prosper for repairs.
Is Prosper at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Prosper’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Prosper.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Prosper’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.