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Natural hazards · Houston

Houston, IL natural hazards

Most of the natural-hazard damage FEMA expects in Houston comes from inland flooding, and overall the risk is moderate for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Houston?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Houston to be higher than in 55% of U.S. communities, mostly from inland flooding and drought.

Inland flooding25%Drought18%Cold waves18%Heat waves13%Strong wind10%Tornadoes6%Everything else10%
By hazard

What Houston faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

25% of expected damage
Above average · higher than 70% of U.S. places
Recorded about once a year in the area

Drought

18% of expected damage
Recorded about 4 times a year in the area

Cold waves

18% of expected damage
Above average · higher than 52% of U.S. places
Recorded about 4 times a year in the area

Heat waves

13% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about 8 times a year in the area

Strong wind

10% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

6% of expected damage
Above average · higher than 73% of U.S. places
Recorded about once every 10 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Houston flood?

FEMA's records show no paid flood insurance claims in Houston.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Houston isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Adams County.
Disasters that hit Houston

Federal disasters declared here

None of the disasters declared for Adams County shows FEMA aid or repair money reaching Houston itself in FEMA’s records.

Brought FEMA money into HoustonDeclared for Adams County only
Adams County has had 19 natural disasters declared since 1953, most often floods and severe storms.
Around Houston

Houston and the towns around it

Chili: Moderate, mostly cold wavesKeene: Moderate, mostly inland floodingNortheast: Moderate, mostly inland floodingCamp Point: Moderate, mostly inland floodingHarmony: Moderate, mostly cold wavesAugusta: Moderate, mostly cold wavesSt. Albans: Moderate, mostly cold wavesHoney Creek: Moderate, mostly inland floodingLima: Moderate, mostly inland floodingMendon: Moderate, mostly inland floodingHuntsville: Moderate, mostly cold wavesClayton: Moderate, mostly inland floodingColumbus: Moderate, mostly inland floodingHouston: Moderate, mostly inland flooding HoustonChiliKeeneNortheastCamp Point
Very lowLowModerateHighVery high
Keenemostly inland floodingModerate
Houstonmostly inland floodingModerate
Northeastmostly inland floodingModerate
Camp Pointmostly inland floodingModerate
Chilimostly cold wavesModerate
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Houston covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Houston’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Houston. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Houston total about $1.6M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

The door’s open

Where to, neighbor?

You’re in Houston, ILAdams CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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