Natural hazards · Beach

Beach, TX natural hazards

Most of the natural-hazard damage FEMA expects in Beach comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 41 claims here since 1981. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Beach?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beach to be higher than in 60% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding36%Hurricanes29%Tornadoes19%Everything else16%

By hazard

What Beach faces

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

Inland flooding

36% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Hurricanes

29% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

19% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 17 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Beach flood?

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

41paid claims since 1981

$1.8Mpaid to owners

2homes flooded more than once

19812026

Biggest named events

Hurricane Ike: 14 claims, $1.2M
Hurricane Harvey: 12 claims, $486K
Hurricane Alicia: 4 claims, $13K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Beach is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Chambers County.

Disasters that hit Beach

5 federal disasters brought FEMA money here

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

Brought FEMA money into BeachDeclared for Chambers County only

2024

Hurricane Beryl

156 households applied for aid $178K aid approved

2021

Severe Winter Storms

11 households applied for aid $4K aid approved

2017

Hurricane Harvey

85 households applied for aid $103K aid approved

2008

Hurricane Ike

325 households applied for aid $172K aid approved

2005

Hurricane Rita

67 households applied for aid $31K aid approved

Chambers County has had 17 natural disasters declared since 1953, most often hurricanes and floods.

Around Beach

Beach and the towns around it

Very lowLowModerateHighVery high

Baytownmostly inland floodingHigh

Beach Citymostly inland floodingHigh

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. Beach covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Beach. 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 Beach total about $8.9M 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.