More hazard damage per building is expected in Sachse than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Sachse gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns, #454 of 642 in Texas. Most of that expected damage is river and rain flooding (62%), then hail (25%). Flood insurance has paid 10 claims here since 1998.
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 Sachse’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Sachse 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 Sachse’s grade
River and rain flooding is 62% of the building damage FEMA expects in Sachse, and Sachse’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Hail adds 25%, at a rate in the top 2% of U.S. census tracts.
C #454 of 642 in Texas; higher expected damage per building than 67% of U.S. towns (21,298).
Sachse’s residents live in 10 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, Sachse has more expected damage per building than 71% of Texas towns.
In dollars, FEMA expects about $13.4M a year in losses across Sachse: $6.5M to buildings, the rest to people and crops.
Does Sachse flood? Sometimes: 10 flood claims since 1998
Every paid claim on a federal flood insurance policy in Sachse, from FEMA’s records: 0.9 per 1,000 homes, fewer than 80% of the 13,809 U.S. towns with a flood insurance record.
- The Fall severe storms1 claim · $835
- The Thunderstorms1 claim · $16K
- The 2025 July Central TX Flooding1 claim · $31K
Sachse isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dallas County.3 federal disasters brought FEMA money to Sachse
Disasters that paid out in Sachse itself (aid to households or repair grants to the City of Sachse), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding276 households applied for aid$128K aid approved$305K to the City of Sachse for repairs1 flood claim paid that year
- 2021Severe Winter Storms142 households applied for aid$65K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding5 households applied for aid$14K aid approved$18K to the City of Sachse for repairs2 flood claims paid that year
Its 2 counties have had 23 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.
Old photos of Sachse after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sachse archive →Sachse and its neighbors
Sachse is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Sachse 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 Sachse
Is Sachse at risk for natural disasters?
On FEMA’s National Risk Index, Sachse has higher expected damage per building than 67% of U.S. towns: C for hazard risk, #454 of 642 in Texas. Most of the expected damage is river and rain flooding (62%) and hail (25%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Sachse flood?
Flood insurance has paid 10 claims in Sachse since 1998, $159K in all, or 0.9 per 1,000 homes, fewer than 80% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Fall severe storms (1).
Is Sachse 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 Dallas County, 40% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Sachse?
FEMA’s Community Rating System list shows no discount for Sachse’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 Sachse?
By FEMA money that reached Sachse, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): 276 households applied for aid, $128K approved, and $305K to the City of Sachse for repairs. By flood claims, Fall severe storms: 1 paid, $835.
Is Sachse at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Sachse’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sachse.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sachse’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.