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B+Hazard risk
Natural hazards in Tioga · FEMA

Less hazard damage per building is expected in Tioga than in 67% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Tioga gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (72%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 72%Hail 9%Tornadoes 6%

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

less than 67%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Texas · lower than 67% of U.S. towns
Main hazard
River and rain flooding
72% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 15 declared for Grayson County

What stands out about Tioga’s natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 67% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Made safer with FEMA grants13 storm safe rooms built with FEMA grants.
By hazard

What Tioga 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

72%of expected building damage
About average · lower than 55% of U.S. census tracts
Recorded about 2 times a year in the area

Hail

9%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about 10 times a year in the area

Tornadoes

6%of expected building damage
About average · higher than 58% of U.S. census tracts
Recorded about once every 10 years in the area

Wildfire

6%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Smaller shares here
 Ice storms Earthquakes Strong wind Cold waves top 1% Hurricanes Winter storms Lightning Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts tornadoes at 19% of Tioga’s expected losses. Tornadoes do little damage to buildings (6.1%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Tioga’s grade

River and rain flooding is 72% of the building damage FEMA expects in Tioga, and Tioga’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Wildfire adds 6%, at a rate in the top 8% of U.S. census tracts.

Where Tioga sits
Tioga
Least damageMiddleMost damage

B+ lower expected damage per building than 67% of U.S. towns (21,298).

All of Tioga’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding72%Hail9%Tornadoes6%Everything else12%

In dollars, FEMA expects about $407K a year in losses across Tioga: $234K to buildings, the rest to people and crops.

Shared tract.All of Tioga’s 1,142 residents (2020 census) live in one census tract, which it shares with Collinsville town (1,866 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Tioga flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Tioga. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Tioga isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Grayson County.
What’s been done with FEMA grants
13storm safe rooms built
Disasters

3 federal disasters brought FEMA money to Tioga

Disasters that paid out in Tioga itself (aid to households or repair grants to the Town of Tioga), newest first, with that year’s flood claims.

  1. 2021Severe Winter Storms21 households applied for aid$2K aid approved
  2. 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding6 households applied for aid$5K aid approved
  3. 2007Severe Storms, Tornadoes, and Flooding8 households applied for aid$10K aid approved$14K to the Town of Tioga for repairs
Disasters declared, by decade
Paid out in TiogaGrayson County only

Grayson County has had 15 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.

Were you here?

Old photos of Tioga after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Tioga archive →
Be ready

Get ready for what Tioga faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Wildfire
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Tioga

Is Tioga at risk for natural disasters?

On FEMA’s National Risk Index, Tioga has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (72%) and hail (9%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Tioga 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 Grayson County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Tioga?

FEMA’s Community Rating System list shows no discount for Tioga’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 Tioga?

By FEMA money that reached Tioga, Severe Storms, Tornadoes, and Flooding (2007): 8 households applied for aid, $10K approved, and $14K to the Town of Tioga for repairs.

Is Tioga at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (72%), and Tioga’s rate for it is lower than 55% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Tioga.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tioga’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.