FEMA expects about as much hazard damage per building in Angelo as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Angelo gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (82%). FEMA’s files show no paid flood insurance claims here.
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 Angelo 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 Angelo’s grade
River and rain flooding is 82% of the building damage FEMA expects in Angelo, and Angelo’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Hail adds 8%, at a rate in the top 10% of U.S. census tracts.
C+ higher expected damage per building than 60% of U.S. towns (21,298).
Angelo’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.2M a year in losses across Angelo: $657K to buildings, the rest to people and crops.
Does Angelo flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Angelo. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Angelo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monroe County.2 federal disasters brought FEMA money to Angelo
Disasters that paid out in Angelo itself (aid to households or repair grants to the Town of Angelo), newest first, with that year’s flood claims.
- 2008Severe Storms, Tornadoes, and Flooding$21K to the Town of Angelo for repairs
- 2004Severe Storms and Flooding$8K to the Town of Angelo for repairs
Monroe County has had 12 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 Angelo after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Angelo archive →Angelo and its neighbors
Angelo is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Sparta | C+more damage than 56% | river and rain flooding | 2 |
| Sparta | C+more damage than 56% | river and rain flooding | — |
| Angelo | C+more damage than 60% | river and rain flooding | 0 |
| Wells | — | 430 residents; we grade 1,000+ | |
| Adrian | — | 816 residents; we grade 1,000+ | |
| Lafayette | — | 379 residents; we grade 1,000+ | |
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 Angelo 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 Angelo
Is Angelo at risk for natural disasters?
On FEMA’s National Risk Index, Angelo has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (82%) and hail (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Angelo 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 Monroe County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Angelo?
FEMA’s Community Rating System list shows no discount for Angelo’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 Angelo?
By FEMA money that reached Angelo, Severe Storms, Tornadoes, and Flooding (2008): $21K to the Town of Angelo for repairs.
Is Angelo at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Angelo’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Angelo.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Angelo’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.