Prosper, Texas: natural disaster risk
How exposed Prosper is to floods, storms and other hazards, from FEMA and NOAA records for Collin County.
Prosper is a city of 37,869 people in Collin County, Texas. Parts of Prosper also reach into Denton County. FEMA's National Risk Index rates Collin County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are tornado, inland flooding and hail, with about $716 million in expected losses a year across the county. The weather service has logged 1,307 storm reports in the county since 1954, including 55 tornadoes and 108 floods. NOAA hurricane records show 0 hurricanes and 3 tropical storms passing within 65 miles of the county's center. About 0.5% of homes in the county carry federal flood insurance.
Risk figures are for Collin County, the county with most of the population Prosper sits in. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Prosper
Full Collin County report ›- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Ask about the roof age and any impact-rated shingles.
- Check your home policy for a separate wind and hail deductible.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Tornado | $420M | |
| Inland flooding | $153M | |
| Hail | $97M | |
| Cold wave | $19M | |
| Heat wave | $18M | |
| Earthquake | $3M | |
| Strong wind | $3M | |
| Ice storm | $2M | |
| Lightning | $650K | |
| Wildfire | $635K | |
| Winter weather | $625K | |
| Hurricane | $292K |
Homes in Prosper
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Collin County
Common questions about Prosper
Is Prosper safe from natural disasters?
Prosper is in Collin County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are tornado, inland flooding, hail. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Prosper?
By expected yearly losses in Collin County, the top hazards are tornado (Very High), inland flooding (High), hail (Very High). Collin County has been part of 17 federal disaster or emergency declarations for natural events.
Does Prosper get tornadoes?
Yes. NOAA records list 55 tornadoes in Collin County since 1950; the strongest was an F3 tornado on May 9, 2006 near Anna. FEMA rates tornado risk in the county very high.
Do I need flood insurance in Prosper?
Standard home insurance does not cover floods. In Collin County, about 0.5% of homes have federal flood insurance, and FEMA rates inland flooding risk high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.