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Risk: Relatively Low

Grayson County, TX Environment & Hazard Risk

Relatively Low natural hazard risk, led by hail. 1,010 storm events since 1996.

Expected yearly loss
$42.6M
Relatively Low nationally
Storm events since 1996
1,010
Most often hail
Flood insurance policies
281
0.5% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 80.3 of 100

Social vulnerability

Relatively Low

Score 38.7 of 100

Community resilience

Relatively Moderate

Score 44.2 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $28.7B · Agriculture value exposed: $85.2M · Risk-adjusted yearly loss: $44.6M

Risk by hazard

  • HailRelatively Moderate$2.3M/yr expected annual loss, about 8.5 events a year
  • TornadoRelatively High$9.2M/yr expected annual loss, about once every 1 year
  • Heat waveRelatively Moderate$4M/yr expected annual loss, about 16 events a year
  • Ice stormRelatively High$1.1M/yr expected annual loss, about 1.2 events a year
  • WildfireRelatively Low$775K/yr expected annual loss, about once every 666 years
  • Cold waveRelatively Moderate$4.2M/yr expected annual loss, about 1.1 events a year
  • EarthquakeRelatively Low$662K/yr expected annual loss, about once every 864 years
  • LandslideVery Low$2,806/yr expected annual loss, about once every 5 years
  • Winter weatherRelatively Low$82.3K/yr expected annual loss, about 4.9 events a year
  • LightningRelatively Low$291K/yr expected annual loss, about 55 events a year
  • Strong windRelatively Moderate$644K/yr expected annual loss, about 4.0 events a year
  • HurricaneVery Low$103K/yr expected annual loss, about once every 96 years
  • DroughtRelatively Low$125K/yr expected annual loss, about 28 events a year

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
281 of 57,645 (0.5%)
Homes in high-risk flood zones
905
Insured in high-risk zones
153 (17%)
Flood claims since 1978
743
Claims paid since 1978
$18.3M

Flood claims paid per year

Flood claims paid per year in Grayson County
Beta
  • Thunderstorms$5.9M · 112 claims
  • Early summer storms$3.1M · 50 claims
  • Flooding$1.1M · 122 claims
  • Tropical Storm Bill$82.8K · 1 claim
  • Early summer severe storms$6,600 · 1 claim
  • Hurricane Allen$6,219 · 2 claims

Storm history

Since 1996: 1,010 events, 12 deaths, $58.4M in damage

  • Hail369
  • Thunderstorm Wind264 · 1 death
  • Flash Flood98 · 3 deaths
  • Drought76
  • Heat41
  • Winter Storm21
  • Tornado21 · 2 deaths
  • Flood20 · 2 deaths
  • Winter Weather18 · 2 deaths
  • Excessive Heat15
Beta

Events per year

Storm events per year in Grayson County
24
24
48
12
60
28
26
26
52
26
27
30
34
21
32
33
63
73
70
25
Beta

72 tornadoes on record (EF0 6, EF1 3, EF2 2, F0 27, F1 13, F2 11, F3 9).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Winter Storm12/05/2013

    Grayson

    36 injured, $7M damage

    What happened

    Up to 4 of ice and sleet accumulated in Grayson County. On average, 3-4 of ice and sleet was reported and most of the reports were sleet accumulations. One media station in Denison reported 0.10 ice with 3 of sleet accumulations. Traffic became very difficult, including Highway 82 and Highway 289. Several traffic accidents occurred on the icy streets and hundreds of tree branches broke due to the weight of the ice. Due to the weight of the ice, the Lonestar Lanes Bowling Alley in Sherman collapsed on the 6th and the gymnasium roof at the Boys and Girls Club in Sherman also caved in. The roof of the Cooper-B building sagged inward due to the ice. In Denison, an awning collapsed at the Main Street Lumber, and several porch covers on house also collapsed. Tom Bean ISD reported minor damage to some of their buildings including roof leaks at the elementary school and a portion of the high school roof was sagging, plus a shed in the bus barn was crushed by the weight of the ice. Power lines were also knocked down by the ice resulting in many power outages. Sherman police reported 6 vehicle accidents with injuries and the Texoma Medical Center reported approximately 30 injuries due to...

  • Flash Flood06/18/2007

    Collinsville, Grayson County

    2 deaths, $20M damage

    What happened

    Significant flooding occurred with cars and mobile homes moved by the force of the water. Numerous roads were closed across the county, including Highways 377 and 75, and more than 450 people were rescued from high water. One woman died in floodwaters as she drove on Texoma Parkway under the U.S. Highway 75 overpass. Another fatality occurred when a truck flooded at the intersection of FM 1417 and Highway 11. A bridge on Highway 11 south of Sherman suffered extensive damage.

  • TornadoEF2, 2.38 mi path, 150 yd wide03/22/2022

    Cedar Mills, Grayson County

    1 death, 11 injured

    What happened

    The tornado first touched down in a field near Thousand Oak Trails. It then moved through the Sherwood Oaks community, producing extensive and widespread damage to trees and homes. Multiple manufactured homes were flipped, many trees were snapped in half, and one home was moved off its foundation. The tornado then crossed Lake Texoma and moved into Marshall County Oklahoma. A total of 105 structures were damaged, 53 destroyed, and 27 sustained major damage. Maximum estimated winds in Grayson County were 130 mph. One fatality occurred in a mobile home.

  • Flood12/24/2024

    Sherman Muni Arpt, Grayson County

    2 deaths, $50K damage

    What happened

    Two fatalities occurred when their SUV hydroplaned off of the US 75 service road and ended up overturned in a flooded drainage culvert. The two individuals were swept away into Post Oak Creek.

  • Thunderstorm Wind43 kt wind06/27/2024

    Cedar Mills, Grayson County

    1 death, 7 injured

    What happened

    A boat with 8 people on board capsized in thunderstorm winds resulting in the fatality of a 6 year old boy.

  • Winter Weather12/16/2008

    Grayson

    15 injured

    What happened

    A total of 94 accidents occurred in Sherman, Denison, Howe, and Van Alstyne due to icy conditions. More than 10 of the wrecks resulted in injuries which required hospital treatment. Numerous other cars skidded into ditches. Most of the accidents occurred on Highways 75 and 82.

Drinking water

40 community water systems serve about 159,650 people. Violations since 2021.

8 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 10 systems had a violation of any kind still open at last report.

  • City of ShermanServes 43,645 · Surface water · Local governmentNo health violations+6 monitoring or reporting
  • City of DenisonServes 27,500 · Surface water · Local governmentNo health violations+3 monitoring or reporting
  • City of Van AlstyneServes 10,644 · Purchased surface water · Local governmentNo health violations+13 monitoring or reporting
  • Two Way SudServes 6,804 · Groundwater · Local governmentNo health violations
  • South Grayson SudServes 6,750 · Groundwater · Local governmentNo health violations+3 monitoring or reporting
  • City of HoweServes 4,548 · Purchased surface water · Local governmentNo health violations+18 monitoring or reporting
  • Kentuckytown WscServes 4,455 · Groundwater · Local governmentNo health violations+2 monitoring or reporting
  • Tanglewood on TexomaServes 4,341 · Purchased surface water · PrivateNo health violations

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 14 toxic release facilities in Grayson County

Superfund sites

None in this county.

Toxic release facilities

Total: 85,209 lbs in 2024, 82,328 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk8 historic places

Frequently asked questions

How risky is Grayson County for natural disasters?
FEMA rates Grayson County relatively low for overall natural hazard risk, with expected losses of $42.6M a year. The highest-rated hazards are hail (relatively moderate), tornado (relatively high), heat wave (relatively moderate).
What storms are most common in Grayson County?
Since 1996, NOAA recorded 1,010 storm events affecting Grayson County, most often hail (369), thunderstorm wind (264), flash flood (98).
How many tornadoes have hit Grayson County?
72 tornadoes have been recorded in Grayson County since 1950, including 9 rated F3/EF3 or stronger.
How many homes in Grayson County have flood insurance?
281 residential flood insurance policies are in force in Grayson County, covering about 0.5% of homes. The program has paid $18.3M on 743 claims here since 1978.
What is the weather like in Grayson County?
At Sherman, average highs reach 93°F in Aug and lows fall to 34°F in Jan, with 44.3 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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