Texarkana, Texas: natural disaster risk
How exposed Texarkana is to floods, storms and other hazards, from FEMA and NOAA records for Bowie County.
Texarkana is a city of 35,992 people in Bowie County, Texas. FEMA's National Risk Index rates Bowie County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, tornado and hail, with about $33.4 million in expected losses a year across the county. The weather service has logged 847 storm reports in the county since 1950, including 59 tornadoes and 90 floods. NOAA hurricane records show 0 hurricanes and 5 tropical storms passing within 65 miles of the county's center. About 0.7% of homes in the county carry federal flood insurance.
Risk figures are for Bowie County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Texarkana
Full Bowie County report ›- 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.
- 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.
- 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 |
|---|---|---|
| Inland flooding | $10M | |
| Tornado | $8M | |
| Hail | $5M | |
| Heat wave | $3M | |
| Ice storm | $2M | |
| Cold wave | $1M | |
| Earthquake | $958K | |
| Lightning | $792K | |
| Strong wind | $508K | |
| Drought | $441K | |
| Wildfire | $203K | |
| Winter weather | $133K |
Homes in Texarkana
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 Bowie County
Common questions about Texarkana
Is Texarkana safe from natural disasters?
Texarkana is in Bowie County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, tornado, hail. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Texarkana?
By expected yearly losses in Bowie County, the top hazards are inland flooding (Low), tornado (High), hail (High). Bowie County has been part of 24 federal disaster or emergency declarations for natural events.
Does Texarkana get tornadoes?
Yes. NOAA records list 59 tornadoes in Bowie County since 1950; the strongest was an F4 tornado on March 12, 1971. FEMA rates tornado risk in the county high.
Do I need flood insurance in Texarkana?
Standard home insurance does not cover floods. In Bowie County, about 0.7% of homes have federal flood insurance, and FEMA rates inland flooding risk low. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.