Throckmorton County Courthouse and Jail · Photo: Larry D. Moore · CC BY 4.0Storms, floods and disasters in Throckmorton
Throckmorton isn’t graded for hazard risk: Throckmorton has 649 residents; we grade towns of 1,000 or more. Flood insurance has paid 5 claims here since 1978.
What Throckmorton 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
Wildfire
Tornadoes
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.
Does Throckmorton flood? Rarely: 5 flood claims since 1978
Every paid claim on a federal flood insurance policy in Throckmorton, from FEMA’s records.
Throckmorton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Throckmorton County.The storms Throckmorton remembers
None of the 15 disasters declared for Throckmorton County shows FEMA aid or repair money reaching Throckmorton itself in FEMA’s records, so these are its biggest flood-claim years.
- 20172 flood claims paidNo declaration for the county that year
- 19781 flood claims paidThe year of Severe Storms and Flooding, declared for Throckmorton County
- 19821 flood claims paidNo declaration for the county that year
Throckmorton County has had 15 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 Throckmorton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Throckmorton archive →Get ready for what Throckmorton 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.
- 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.
- 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.
- 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 Throckmorton
Does Throckmorton flood?
Flood insurance has paid 5 claims in Throckmorton since 1978, $171K in all.
Is Throckmorton 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 Throckmorton County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Throckmorton?
FEMA’s Community Rating System list shows no discount for Throckmorton’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Throckmorton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Throckmorton’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.