Photo: Nicolas Henderson from Coppell, Texas · CC BY 2.0Storms, floods and disasters in Toyah
Toyah isn’t graded for hazard risk: Toyah has 22 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1981.
What Toyah 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
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 Toyah flood? Rarely: 1 flood claim since 1981
Every paid claim on a federal flood insurance policy in Toyah, from FEMA’s records.
Toyah isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Reeves County.The storms Toyah remembers
None of the 8 disasters declared for Reeves County shows FEMA aid or repair money reaching Toyah itself in FEMA’s records, so these are its biggest flood-claim years.
- 19811 flood claims paidNo declaration for the county that year
Reeves County has had 8 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 Toyah after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Toyah archive →Get ready for what Toyah 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.
- 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 Toyah
Does Toyah flood?
Flood insurance has paid 1 claim in Toyah since 1981, $5K in all.
Is Toyah 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 Reeves County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Toyah?
FEMA’s Community Rating System list shows no discount for Toyah’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 Toyah.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Toyah’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.