Natural Disaster Risk
Smithville, TX
2026 Risk Report · FEMA · NOAA · USGS
Risk Score Overview— Smithville
🌊 Flood Risk — Smithville
Smithville has a flood risk score of 100/100, classified as Very High. This score is derived from FEMA's National Flood Insurance Program (NFIP) claims data, flood zone designations, and NOAA precipitation records.
🌪️ Tornado Risk — Smithville
Tornado risk score: 75/100 — High. Based on NOAA Storm Events Database historical tornado tracks and frequency data.
⚡ Earthquake Risk — Smithville
Earthquake risk score: 22/100 — Low. Based on USGS National Seismic Hazard Model and historical seismic event data for this region.
🔥 Wildfire Risk — Smithville
Wildfire risk score: 55/100 — Moderate. Based on USDA Forest Service wildfire risk data and historical fire perimeter records.
🌀 Hurricane Risk — Smithville
Hurricane risk score: 80/100 — High. Based on NOAA historical hurricane track data, coastal storm surge modeling, and landfall frequency.
💰 What This Means for Home Insurance in Smithville
Standard homeowners policies do not cover flood damage. Properties in FEMA flood zones may be required to purchase 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 surcharges. Review your policy limits.
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❓ Frequently Asked Questions — Smithville
Is Smithville in a flood zone?
Smithville has a flood risk score of 100/100, classified as Very High. Check the FEMA Flood Map Service Center for specific parcel-level flood zone designations.
Does Smithville get tornadoes?
Smithville 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 Smithville?
Smithville has an earthquake risk score of 22/100 (Low), based on USGS seismic hazard assessments and historical earthquake data.
Is Smithville at risk for wildfires?
Smithville's wildfire risk score is 55/100 (Moderate), reflecting proximity to wildland-urban interface areas and historical fire perimeter data.
How does natural disaster risk affect home insurance in Smithville?
Areas with higher risk scores typically see higher home insurance premiums. Standard homeowners insurance does not cover floods — a separate NFIP or private flood policy is required. Earthquake damage also requires a separate rider or policy. Check with a local insurance agent for coverage recommendations specific to Smithville.