Natural hazards · Bellevue

Bellevue, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bellevue comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Bellevue?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bellevue to be higher than in 73% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding38%Wildfire21%Tornadoes18%Drought5%Everything else18%

By hazard

What Bellevue faces

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

Inland flooding

38% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 2 years in the area

Wildfire

21% of expected damage

Well above average · higher than 98% of U.S. places

Tornadoes

18% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 2 years in the area

Drought

5% of expected damage

Recorded about 71 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightning

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 Bellevue flood?

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

of all homes
are insured

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

Insurance rates: Clay County.

Disasters that hit Bellevue

1 federal disaster brought FEMA money here

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

Brought FEMA money into BellevueDeclared for Clay County only

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

5 households applied for aid $9K aid approved

Clay County has had 16 natural disasters declared since 1953, most often fires and severe storms.

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. Bellevue is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Bellevue’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bellevue. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.