Photo: NorthTexasHistory · CC BY-SA 4.0For hail, White Settlement’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, White Settlement gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns, #228 of 642 in Texas. Most of that expected damage is river and rain flooding (52%), then hail (32%). Flood insurance has paid 82 claims here since 1981.
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 White Settlement’s natural hazards
From FEMA’s model and FEMA’s records, below.
What White Settlement 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
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 White Settlement’s grade
River and rain flooding is 52% of the building damage FEMA expects in White Settlement, and White Settlement’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Hail adds 32%, at a rate in the top 2% of U.S. census tracts.
B #228 of 642 in Texas; lower expected damage per building than 62% of U.S. towns (21,298).
White Settlement’s residents live in 4 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, White Settlement has less expected damage per building than 65% of Texas towns.
In dollars, FEMA expects about $4.0M a year in losses across White Settlement: $2.1M to buildings, the rest to people and crops.
Does White Settlement flood? Sometimes: 82 flood claims since 1981
Every paid claim on a federal flood insurance policy in White Settlement, from FEMA’s records: 11.0 per 1,000 homes, more than 75% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Allison1 claim · $23K
White Settlement isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Tarrant County.1 federal disaster brought FEMA money to White Settlement
Disasters that paid out in White Settlement itself (aid to households or repair grants to the City of White Settlement), newest first, with that year’s flood claims.
- 2021Severe Winter Storms108 households applied for aid$60K aid approved
Tarrant County has had 21 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 Tarrant County, 2005–2005.
Old photos of White Settlement after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the White Settlement archive →White Settlement and its neighbors
White Settlement has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| White Settlement | Bless damage than 62% | river and rain flooding | 82 |
| Westworth Village | Cmore damage than 74% | river and rain flooding | 1 |
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 White Settlement 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.
- 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 White Settlement
Is White Settlement at risk for natural disasters?
On FEMA’s National Risk Index, White Settlement has lower expected damage per building than 62% of U.S. towns: B for hazard risk, #228 of 642 in Texas. Most of the expected damage is river and rain flooding (52%) and hail (32%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does White Settlement flood?
Flood insurance has paid 82 claims in White Settlement since 1981, $2.1M in all, or 11.0 per 1,000 homes, more than 75% of U.S. towns with a flood insurance record. 20 properties have flooded more than once. The most claims came from Tropical Storm Allison (1).
Is White Settlement 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 Tarrant County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in White Settlement?
FEMA’s Community Rating System list shows no discount for White Settlement’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 White Settlement?
By FEMA money that reached White Settlement, Severe Winter Storms (2021): 108 households applied for aid, $60K approved. By flood claims, Tropical Storm Allison: 1 paid, $23K.
Is White Settlement at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (52%), and White Settlement’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in White Settlement.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where White Settlement’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.