Stephens County, TX Environment & Hazard Risk

• WildfireRelatively Low$288K/yr expected annual loss, about once every 163 years
• HailRelatively Low$366K/yr expected annual loss, about 6.7 events a year
• LandslideVery Low$1,884/yr expected annual loss, about once every 6 years
• DroughtRelatively Low$130K/yr expected annual loss, about 82 events a year
• Heat waveVery Low$213K/yr expected annual loss, about 12 events a year
• TornadoRelatively Low$646K/yr expected annual loss, about once every 2 years
• Cold waveRelatively Low$373K/yr expected annual loss, about 1.1 events a year
• HurricaneVery Low$11.25K/yr expected annual loss, about once every 100 years
• Strong windRelatively Low$247K/yr expected annual loss, about 2.1 events a year
• Ice stormVery Low$10.98K/yr expected annual loss, about once every 1 year
• EarthquakeVery Low$10.8K/yr expected annual loss, about once every 2,062 years
• LightningVery Low$18.63K/yr expected annual loss, about 49 events a year
• Winter weatherVery Low$3,291/yr expected annual loss, about 5.1 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.

Check the flood zone for an address

Homes with flood insurance

89 of 3,264 (2.7%)

Homes in high-risk flood zones

34

Insured in high-risk zones

78 (0%)

Flood claims since 1978

68

Claims paid since 1978

$896K

• Hail141
• Drought94
• Thunderstorm Wind68
• Heat33
• Flash Flood26
• Excessive Heat16
• Winter Storm14
• Wildfire12
• Tornado7
• Winter Weather5

• Wildfire04/13/2011

  Stephens

  $100M damage

  What happened

  The Possum Kingdom West fire began in Stephens County near FM 1148 and FM 3253. However, strong winds on critical fire weather days also drove this fire into Palo Pinto and Young County. On the 18th, it made a fast run towards Graham in Young County resulting in evacuations for the town of Bunger. The fire also caused several hundred people to be evacuated around PK Lake. It scorched 90% of the 1500 acre Possum Kingdom Lake State Park on April 17th, but no structures were lost at the park. On April 15th, this fire merged with the Hohertz Fire in Palo Pinto County and the fires were renamed the PK Complex. On April 17th, the PK East Fire in Palo Pinto County was added to this complex, and on April 19th, the Jackson Ranch Fire in Stephens County also burned into the complex. In all, 126,734 acres were burned by this complex of four fires, 167 homes were destroyed, 2 churches were destroyed, and another 124 outbuildings were lost. The PK West Fire burned the most acres and may have burned over 80,000 acres. This fire burned 52 homes in Sportsman World, 37 homes at Gaines Bend, and 24 homes in Hog Bend. Several mobile homes on the west side of the lake near FM 1148 and FM 1287 were...

• Flood05/30/2016

  Hubbard Creek Lake, Stephens County

  1 death, $100K damage

  What happened

  Flooding continued across the southern half of Stephens County after several inches of rain fell in a short period of time as a squall line moved through the area. One person lost her life after the truck she was riding in was overcome by floodwaters near Hwy 183 along Gunsolus Creek.

• TornadoEF1, 7.06 mi path, 400 yd wide04/09/2008

  Breckenridge Arpt, Stephens County

  6 injured, $1M damage

  What happened

  The second tornado began approximately a half mile west of Highway 183 and south of FM 2231. Power poles were damaged along FM 2231 and Highway 183 and roof and barn damage was noted along Highway 183. The most significant damage occurred at and just west of the Stephens County Airport where several homes had considerable damage along CR 150. Several airport buildings had overhead doors blown in, roof damage, and damage to girders. Power poles were also damaged northeast of the airport near the eastern end of FM 2231. Damage to mobile homes, roofs, power poles, and storage buildings continued across Highway 180 and between Highways 67 and 207. This tornado has been rated as an upper end EF-1 with winds approaching 110 MPH. An estimated 46 homes were damaged in total. Three injuries required hospitalization and there were a few minor ones as well.

• Lightning02/14/2026

  La Casa, Stephens County

  $2.4M damage

  What happened

  Videos and articles from social and news media reported that a wind turbine south of Caddo was struck by lightning the morning of February 14th and caught on fire as a result. As per pictures, the shell at the top of the turbine was destroyed along with one of the blades.

• Drought11/01/2006

  Stephens

  $800K damage

  What happened

  Drought conditions continued across North Texas. Although occasional rainfall helped some areas of North Texas improve by the end of October, many areas missed out on the beneficial rains. The U.S. Drought Monitor included more of the North Texas in the Extreme Drought (D3) category by the end of November than in the previous month, but did eliminate the Exceptional Drought (D4) area from North Texas.|Areas which did receive rainfall experienced reduced fire danger. Hydrologic deficits remained extremely high, with almost every lake well below conservation levels. The worst included Lake Bridgeport at over seventeen feet below normal, and Lake Grapevine at twelve feet below normal. Stage 1 water restrictions remained in effect in most metroplex counties. |The Drought Impact Reporter reported that hay prices in Texas were approximately twice what they were before the drought began this month. Crops continued to suffer, with the cotton production this year about half of last year���s crop.

• Lightning04/03/2025

  Breckenridge, Stephens County

  $400K damage

  What happened

  Fire and rescue reported that a storage building and guest house were struck by lightning and destroyed in a fire shortly after 6am. Two adjacent homes received heat damage.

• Excessive Heat07/22/2026

  Stephens

• Heat07/21/2026

  Stephens

• Thunderstorm Wind60 kt wind07/06/2026

  Hubbard Creek Lake, Stephens County

  $10K damage

• Thunderstorm Wind55 kt wind07/06/2026

  Hubbard Creek Lake, Stephens County

  $1,000 damage

• Thunderstorm Wind60 kt wind07/06/2026

  Breckenridge, Stephens County

  $20K damage

• Thunderstorm Wind52 kt wind07/06/2026

  Breckenridge, Stephens County

  $1,000 damage

• Thunderstorm Wind55 kt wind06/19/2026

  Caddo, Stephens County

• Thunderstorm Wind60 kt wind06/19/2026

  Breckenridge, Stephens County

  $10K damage

• City of BreckenridgeServes 5,807 · Surface water · Local government2 health violations+5 monitoring or reporting
• Stephens Regional SudServes 5,220 · Surface water · Local governmentNo health violations
• High Mesa WaterServes 53 · Purchased groundwater · Private1 health violation+13 monitoring or reporting
• West Central Texas MwdSurface water · Local government1 health violation+2 monitoring or reporting