Natural hazards · Bacliff

Bacliff, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bacliff comes from cold waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 44 claims here since 2001. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bacliff?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bacliff to be higher than in 53% of U.S. communities, mostly from cold waves and hurricanes.

Cold waves40%Hurricanes21%Inland flooding18%Tornadoes14%Everything else8%

By hazard

What Bacliff faces

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

Cold waves

40% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

21% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

18% of expected damage

Below average · higher than 32% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 51% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Bacliff flood?

Every paid claim on a federal flood insurance policy in Bacliff, from FEMA’s records.

44paid claims since 2001

$2.5Mpaid to owners

0homes flooded more than once

20012026

Biggest named events

Hurricane Harvey: 25 claims, $2.1M
Hurricane Ike: 2 claims, $80K
Hurricane Beryl: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bacliff isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Galveston County.

What’s been done with FEMA grants

8homes raised above flood level

Disasters that hit Bacliff

7 federal disasters brought FEMA money here

Disasters the President declared that paid out in Bacliff itself: aid to households, or repair grants to Bacliff.

Brought FEMA money into BacliffDeclared for Galveston County only

2024

Hurricane Beryl

1,688 households applied for aid $1.9M aid approved

2021

Severe Winter Storms

288 households applied for aid $219K aid approved

2017

Hurricane Harvey

1,456 households applied for aid $3.6M aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

2 households applied for aid $9K aid approved

2008

Hurricane Ike

1,847 households applied for aid $2.7M aid approved

2005

Hurricane Rita

1,435 households applied for aid $734K aid approved

2003

Hurricane Claudette

4 households applied for aid $11K aid approved

Galveston County has had 25 natural disasters declared since 1953, most often hurricanes and floods.

Around Bacliff

Bacliff and the towns around it

Very lowLowModerateHighVery high

League Citymostly inland floodingHigh

Kemahmostly hurricanesModerate

Bacliffmostly cold wavesModerate

Texas Citymostly 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. Bacliff covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Bacliff’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Bacliff. 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 Bacliff total about $2.0M 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.