Natural Disaster Risk in Dallas, TX
2026 Risk Report — Flood, Tornado, Earthquake, Wildfire, Hurricane — Powered by FEMA, NOAA, USGS
Overall Risk Summary — Dallas
Flood Risk — Dallas
Dallas has a flood risk score of 62/100, classified as High.
This score is derived from FEMA's National Flood Insurance Program (NFIP) claims data, flood zone designations, and NOAA precipitation records.
Tornado Risk — Dallas
Tornado risk score: 75/100 — High
Based on NOAA Storm Events Database historical tornado tracks and frequency data.
Earthquake Risk — Dallas
Earthquake risk score: 22/100 — Low
Based on USGS National Seismic Hazard Model and historical seismic event data.
Wildfire Risk — Dallas
Wildfire risk score: 45/100 — Moderate
Based on USDA Forest Service wildfire risk data and historical fire perimeter records.
Hurricane Risk — Dallas
Hurricane risk score: 35/100 — Low
Based on NOAA historical hurricane track data and coastal storm surge modeling.
What This Means for Home Insurance in Dallas
Standard homeowners policies do not cover flood damage. Properties in FEMA flood zones may be required to purchase separate NFIP coverage. Flood insurance is strongly recommended in this area.
Earthquake damage is excluded from standard homeowners policies. A separate earthquake rider or policy is required.
Homeowners insurance typically covers wind and fire damage, but high-risk areas may see coverage restrictions or higher premiums.
Compare Nearby Cities
| City | Overall | Flood | Tornado | Earthquake |
|---|---|---|---|---|
| Dallas (current) | 47 | 62 | 75 | 22 |
| Houston | — | — | — | — |
| San Antonio | — | — | — | — |
Recent Significant Events — Dallas
| Date | Hazard | Description | Fatalities | Source |
|---|---|---|---|---|
| 2019-10-20 | tornado | Three tornadoes strike Dallas-Fort Worth metro area | 0 | NOAA |
| 2015-05-25 | flood | Memorial Day floods kill 31 in North Texas | 31 | NOAA |
Frequently Asked Questions — Dallas
Is Dallas in a flood zone?
Dallas has a flood risk score of 62/100, which is considered High. Check the FEMA Flood Map Service Center for specific parcel-level flood zone designations.
Does Dallas get tornadoes?
Dallas has a tornado risk score of 75/100. This area has experienced tornadoes historically and residents should have a preparedness plan.
What is the earthquake risk in Dallas?
Dallas has an earthquake risk score of 22/100 (Low). This is based on USGS seismic hazard assessments and historical earthquake data.
Is Dallas at risk for wildfires?
Dallas's wildfire risk score is 45/100 (Moderate). This reflects proximity to wildland-urban interface areas and historical fire data.
How does natural disaster risk affect home insurance in Dallas?
Areas with higher flood, earthquake, or wildfire scores typically see higher home insurance premiums. Standard homeowners insurance does not cover floods — a separate NFIP or private flood policy is required. Earthquake coverage also requires a separate rider or policy.