Natural hazards · Bellville

Bellville, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bellville comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 2004. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bellville?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bellville to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes19%Cold waves7%Hurricanes6%Drought6%Everything else11%

By hazard

What Bellville faces

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

Inland flooding

51% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 16 years in the area

Cold waves

7% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

6% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 9 years in the area

Drought

6% of expected damage

Recorded about 37 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Bellville flood?

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

6paid claims since 2004

$148Kpaid to owners

0homes flooded more than once

20042026

Biggest named events

2026-06-Arthur-TS: 1 claim, $87K
Spring severe storms: 1 claim, $472
Hurricane Harvey: 1 claim, $4K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Austin County.

Disasters that hit Bellville

7 federal disasters brought FEMA money here

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

Brought FEMA money into BellvilleDeclared for Austin County only

2024

Hurricane Beryl

215 households applied for aid $317K aid approved

2024

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

320 households applied for aid $633K aid approved $219K to the City of Bellville for repairs

2021

Severe Winter Storms

76 households applied for aid $56K aid approved

2017

Hurricane Harvey

195 households applied for aid $86K aid approved

2016

Severe Storms and Flooding

122 households applied for aid $381K aid approved

2008

Hurricane Ike

25 households applied for aid $24K aid approved $9K to the City of Bellville for repairs

2005

Hurricane Rita

$9K to the City of Bellville for repairs

Austin County has had 18 natural disasters declared since 1953, most often hurricanes and floods.

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. Bellville 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 Bellville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bellville. 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.