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Risk: Relatively Moderate

Smith County, TX Environment & Hazard Risk

Relatively Moderate natural hazard risk, led by heat wave. 1,064 storm events since 1996.

Expected yearly loss
$43.1M
Relatively Low nationally
Storm events since 1996
1,064
Most often thunderstorm wind
Flood insurance policies
458
0.6% of homes
Hurricanes nearby
0
2 tropical storms or stronger since 1871

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Moderate

Score 84.2 of 100

Social vulnerability

Relatively High

Score 66.6 of 100

Community resilience

Relatively High

Score 74.9 of 100

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

Building value exposed: $42.8B · Agriculture value exposed: $69M · Risk-adjusted yearly loss: $54.5M

Risk by hazard

  • Heat waveRelatively Moderate$6.5M/yr expected annual loss, about 19 events a year
  • LightningRelatively High$1.5M/yr expected annual loss, about 60 events a year
  • Cold waveRelatively High$7.2M/yr expected annual loss, about once every 1 year
  • Strong windRelatively High$1.8M/yr expected annual loss, about 4.5 events a year
  • Winter weatherRelatively High$282K/yr expected annual loss, about 3.4 events a year
  • Ice stormRelatively High$605K/yr expected annual loss, about 1.3 events a year
  • HailRelatively Moderate$996K/yr expected annual loss, about 4.5 events a year
  • WildfireRelatively Low$346K/yr expected annual loss, about once every 721 years
  • HurricaneRelatively Low$832K/yr expected annual loss, about once every 41 years
  • LandslideRelatively Low$7,319/yr expected annual loss, about once every 3 years
  • EarthquakeRelatively Low$637K/yr expected annual loss, about once every 1,136 years
  • TornadoRelatively Low$930K/yr expected annual loss, about once every 1 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, drought, 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
458 of 79,634 (0.6%)
Homes in high-risk flood zones
695
Insured in high-risk zones
225 (32%)
Flood claims since 1978
311
Claims paid since 1978
$4.7M

Flood claims paid per year

Flood claims paid per year in Smith County
Beta
  • Late winter severe storms$598K · 17 claims
  • Flooding$56.2K · 29 claims
  • Tropical Storm Claudette$48.3K · 7 claims
  • Hurricane Allen$30.1K · 3 claims
  • Thunderstorms$11K · 4 claims
  • Tropical Storm Allison$8,923 · 1 claim

Storm history

Since 1996: 1,064 events, 6 deaths, $9.3M in damage

  • Thunderstorm Wind326 · 1 death
  • Hail303
  • Flash Flood163
  • Heat61 · 1 death
  • Drought53
  • Tornado29
  • Lightning24 · 2 deaths
  • Excessive Heat24 · 1 death
  • Winter Weather19
  • Flood16
Beta

Events per year

Storm events per year in Smith County
43
35
31
51
49
26
27
24
50
53
41
47
33
43
36
40
62
59
40
52
Beta

76 tornadoes on record (EF0 7, EF1 14, EF2 3, F0 13, F1 18, F2 17, F3 2).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Lightning06/11/2009

    Tyler, Smith County

    2 deaths

    What happened

    Two people driving an automobile got out of a truck when the vehicle drove over power lines that were downed from earlier in the evening. The two adults were electrocuted when the exited the burning vehicle.

  • Thunderstorm Wind87 kt wind04/05/2022

    Whitehouse, Smith County

    1 death

    What happened

    A downburst affected much of the southern and eastern sections of the city of Whitehouse, resulting in numerous trees being snapped and uprooted along its path. The majority of the more significant damage occurred in an east-southeasterly direction, which began in the Willows subdivision just west of Willingham Road, where several small Bradford pear trees were snapped, and small areas of shingles were ripped from the roofs of a couple of homes with winds estimated in the range of 70-75 mph. The winds from this downburst intensified as it crossed Willingham Road, affecting several streets along and to the west of Highway 110. Here, numerous hardwood trees and large limbs were snapped and uprooted, with winds consistent of 90-95 mph. Trees fell on at least 4 homes in this area. The maximum winds near 100 mph from this downburst were estimated as it impacted the Whitehouse Mobile Home and RV Park, where multiple large trees were snapped and uprooted. Unfortunately, one fatality occurred here as a large pine tree fell onto an RV on Barbara Drive, killing a 71 year-old male sleeping inside. Additional large hardwood trees were downed along and to the north of Hagan Road, Railroad...

  • Strong Wind44 kt wind10/28/2021

    Smith

    1 death

    What happened

    A strong gradient wind event behind a departing surface low pressure area over Northern Arkansas and Southern Missouri resulted in strong northwesterly surface winds across much of East Texas and Western Louisiana during the day on October 28th. The highest wind speeds were observed in East Texas where multiple sites measured peak winds between 45 and 55 mph. The highest wind speed recorded was a gust to 58 mph at the Nacogdoches Airport. Frequent wind gusts of this magnitude downed numerous trees, power lines, and large limbs, with some structural damage noted. In addition, these wind gusts combined with abnormally low relative humidities between 25-35% created an enhanced fire danger atop continued dry grounds given the ongoing moderate drought, with numerous wildfires breaking out across much of East Texas. ||The following are peak wind gusts (45 mph or greater) recorded at various observation stations across East Texas:||Angelina County: |Lufkin Angelina County Airport: 47 mph at 215 pm ||Cherokee County: |Jacksonville: 49 mph at 115 PM ||Gregg County:|East Texas Regional Airport: 55 mph at 307 pm ||Nacogdoches County: |Nacogdoches Airport: 58 mph at 1245 pm |Lumberjack...

  • Excessive Heat06/24/2009

    Smith

    1 death

    What happened

    A 37 year old man died around 1100 am due to a heat related illness while working outdoors in the city of Troup, Texas. A heat advisory was posted for the region earlier that morning and continued throughout the day for Smith County, Texas.

  • Heat07/11/2002

    Smith

    1 death

    What happened

    Man died from heat stroke while working on his vehicle outside his home. He was found by his neighbor.

  • Flash Flood07/19/2021

    Wood Spgs, Smith County

    4 injured

    What happened

    Texas DPS reported that the Allen Branch Creek overpass at I-20 west near Lindale was eroded due to flooding, causing a large pine tree to fall on I-20 and resulting in 5 vehicles and a gooseneck trailer wrecking. Four injuries were reported, but none were life-threatening.

Drinking water

37 community water systems serve about 275,098 people. Violations since 2021.

15 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 12 systems had a violation of any kind still open at last report.

  • City of TylerServes 107,000 · Surface water · Local government1 health violation+1 monitoring or reporting
  • Southern UtilitiesServes 69,735 · Purchased surface water · PrivateNo health violations+2 monitoring or reporting
  • Lindale Rural WscServes 14,781 · Groundwater · Local governmentNo health violations+2 monitoring or reporting
  • City of WhitehouseServes 9,571 · Purchased surface water · Local governmentNo health violations+3 monitoring or reporting
  • Walnut Grove WscServes 8,775 · Purchased surface water · Local governmentNo health violations+1 monitoring or reporting
  • City of LindaleServes 6,313 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • Dean WscServes 5,907 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • Jackson WscServes 5,862 · Groundwater · Local government1 health violation+11 monitoring or reporting

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 Smith County

Superfund sites

None in this county.

Toxic release facilities

Total: 449,430 lbs in 2024, 91,188 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk26 historic places

Frequently asked questions

How risky is Smith County for natural disasters?
FEMA rates Smith County relatively moderate for overall natural hazard risk, with expected losses of $43.1M a year. The highest-rated hazards are heat wave (relatively moderate), lightning (relatively high), cold wave (relatively high).
What storms are most common in Smith County?
Since 1996, NOAA recorded 1,064 storm events affecting Smith County, most often thunderstorm wind (326), hail (303), flash flood (163).
How many tornadoes have hit Smith County?
76 tornadoes have been recorded in Smith County since 1950, including 2 rated F3/EF3 or stronger.
How many homes in Smith County have flood insurance?
458 residential flood insurance policies are in force in Smith County, covering about 0.6% of homes. The program has paid $4.7M on 311 claims here since 1978.
What is the weather like in Smith County?
At Tyler, average highs reach 94°F in Aug and lows fall to 39°F in Jan, with 47.7 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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