For hail, Wake Village’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Wake Village gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns, #319 of 642 in Texas. Most of that expected damage is river and rain flooding (43%), then hail (27%). Flood insurance has paid 14 claims here since 1978.
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 Wake Village 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
Ice storms
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 Wake Village’s grade
River and rain flooding is 43% of the building damage FEMA expects in Wake Village, and Wake Village’s rate of river and rain flooding damage is lower than 77% of U.S. census tracts. Hail adds 27%, at a rate in the top 2% of U.S. census tracts.
B− #319 of 642 in Texas; lower expected damage per building than 51% of U.S. towns (21,298).
Wake Village’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, Wake Village has less expected damage per building than 50% of Texas towns.
In dollars, FEMA expects about $1.6M a year in losses across Wake Village: $872K to buildings, the rest to people and crops.
Does Wake Village flood? Sometimes: 14 flood claims since 1978
Every paid claim on a federal flood insurance policy in Wake Village, from FEMA’s records: 5.6 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike1 claim · $119K
Wake Village isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Bowie County.6 federal disasters brought FEMA money to Wake Village
Disasters that paid out in Wake Village itself (aid to households or repair grants to the City of Wake Village), newest first, with that year’s flood claims.
- 2024Hurricane Beryl40 households applied for aid$3K aid approved
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding$524K to the City of Wake Village for repairs
- 2021Severe Winter Storms37 households applied for aid$31K aid approved1 flood claim paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding1 households applied for aid$3K to the City of Wake Village for repairs
- 2000Severe Winter Ice Storm$582K to the City of Wake Village for repairs1 flood claim paid that year
- 1999Tx, Tornado 5/4/99$1K to the City of Wake Village for repairs
Bowie County has had 19 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Bowie County, 1999–1999.
Old photos of Wake Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wake Village archive →Wake Village and its neighbors
Wake Village is 3rd of the 3 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 Wake Village 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Wake Village
Is Wake Village at risk for natural disasters?
On FEMA’s National Risk Index, Wake Village has lower expected damage per building than 51% of U.S. towns: B− for hazard risk, #319 of 642 in Texas. Most of the expected damage is river and rain flooding (43%) and hail (27%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Wake Village flood?
Flood insurance has paid 14 claims in Wake Village since 1978, $210K in all, or 5.6 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Hurricane Ike (1).
Is Wake Village 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 Bowie County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Wake Village?
FEMA’s Community Rating System list shows no discount for Wake Village’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 Wake Village?
By FEMA money that reached Wake Village, Severe Winter Ice Storm (2000): $582K to the City of Wake Village for repairs. By flood claims, Hurricane Ike: 1 paid, $119K.
Is Wake Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (43%), and Wake Village’s rate for it is lower than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wake Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wake Village’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.