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Friendly City Building and JailFriendly City Building and Jail · Photo: Nyttend · Public domain
–Not graded
Natural hazards in Friendly · FEMA

Storms, floods and disasters in Friendly

Friendly isn’t graded for hazard risk: Friendly has 123 residents; we grade towns of 1,000 or more. Flood insurance has paid 3 claims here since 2004.

Flood claims
3
paid since 2004 · $37K
Disasters paid out here
3
of 20 declared for Tyler County
By hazard

What Friendly 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

96%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hail Tornadoes Strong wind Lightning top 0% Hurricanes Ice storms Earthquakes Winter storms Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.
Flood insurance claims

Does Friendly flood? Rarely: 3 flood claims since 2004

Every paid claim on a federal flood insurance policy in Friendly, from FEMA’s records.

Paid flood claims, by year
2004: 2 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 1 claim2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims20042013
20042026
Biggest named events
  • Tropical Storm Ivan1 claim · $32K
3
paid claims since 2004
$37K
paid to owners
0
homes flooded more than once
$12K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Tyler County.
Disasters

3 federal disasters brought FEMA money to Friendly

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

  1. 2026Severe Storm, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides2 households applied for aid$300 aid approved
  2. 2012Severe Storms and Straight-line Winds4 households applied for aid$10K aid approved
  3. 2004Severe Storms, Flooding, and Landslides33 households applied for aid$191K aid approved$17K to the Town of Friendly for repairs2 flood claims paid that year
Disasters declared, by decade
Paid out in FriendlyTyler County only

Tyler County has had 20 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.

Were you here?

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

Add to the Friendly archive →
Be ready

Get ready for what Friendly 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 ↗
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 Friendly

Does Friendly flood?

Flood insurance has paid 3 claims in Friendly since 2004, $37K in all. The most claims came from Tropical Storm Ivan (1).

Is Friendly 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 Tyler County, 4% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Friendly?

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

By FEMA money that reached Friendly, Severe Storms, Flooding, and Landslides (2004): 33 households applied for aid, $191K approved, and $17K to the Town of Friendly for repairs. By flood claims, Tropical Storm Ivan: 1 paid, $32K.

Storm stories

Memories, warnings and help from neighbors in Friendly.

Town Square →
Start the conversation

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