Photo: Larry D. Moore · CC BY 4.0FEMA puts Teague’s expected hazard damage per building below that of 93% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Teague gets an A for hazard risk: lower expected damage per building than 93% of U.S. towns, #27 of 642 in Texas. Most of that expected damage is river and rain flooding (68%), then tornadoes (14%). Flood insurance has paid 7 claims here since 2004.
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 Teague’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Teague 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
Hurricanes
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 Teague’s grade
River and rain flooding is 68% of the building damage FEMA expects in Teague, and Teague’s rate of river and rain flooding damage is lower than 85% of U.S. census tracts. Next is tornadoes at 14% (higher than 69% of U.S. census tracts).
A #27 of 642 in Texas; lower expected damage per building than 93% of U.S. towns (21,298).
Teague’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, Teague has less expected damage per building than 96% of Texas towns.
In dollars, FEMA expects about $1.8M a year in losses across Teague: $594K to buildings, the rest to people and crops.
Does Teague flood? Rarely: 7 flood claims since 2004
Every paid claim on a federal flood insurance policy in Teague, from FEMA’s records: 4.2 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike1 claim · $104K
Teague isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Freestone County.2 federal disasters brought FEMA money to Teague
Disasters that paid out in Teague itself (aid to households or repair grants to the City of Teague), newest first, with that year’s flood claims.
- 2021Severe Winter Storms146 households applied for aid$90K aid approved
- 2013Severe Storms and Flooding$3K to the City of Teague for repairs1 flood claim paid that year
Freestone County has had 14 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 Teague after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Teague archive →Get ready for what Teague 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Teague
Is Teague at risk for natural disasters?
On FEMA’s National Risk Index, Teague has lower expected damage per building than 93% of U.S. towns: A for hazard risk, #27 of 642 in Texas. Most of the expected damage is river and rain flooding (68%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Teague flood?
Flood insurance has paid 7 claims in Teague since 2004, $562K in all, or 4.2 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Ike (1).
Is Teague 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 Freestone County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Teague?
FEMA’s Community Rating System list shows no discount for Teague’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 Teague?
By FEMA money that reached Teague, Severe Winter Storms (2021): 146 households applied for aid, $90K approved. By flood claims, Hurricane Ike: 1 paid, $104K.
Is Teague at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Teague’s rate for it is lower than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Teague.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Teague’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.