Natural hazards · Cameron

Cameron, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cameron comes from tornadoes, and overall the risk is very low for a U.S. community. Flood insurance has paid 6 claims here since 1980. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cameron?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cameron to be higher than in 8% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes27%Inland flooding25%Cold waves17%Hurricanes9%Lightning5%Hail5%Everything else11%

By hazard

What Cameron faces

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

Tornadoes

27% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 29 years in the area

Inland flooding

25% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about 2 times a year in the area

Cold waves

17% of expected damage

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

Recorded about once every 2 years in the area

Hurricanes

9% of expected damage

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

Recorded about once every 18 years in the area

Lightning

5% of expected damage

Below average · higher than 49% of U.S. places

Hail

5% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDrought

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 Cameron flood?

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

6paid claims since 1980

$12Kpaid to owners

0homes flooded more than once

19802026

Biggest named events

Hurricane Allen: 2 claims, $5K

of all homes
are insured

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

Insurance rates: Milam County.

Disasters that hit Cameron

5 federal disasters brought FEMA money here

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

Brought FEMA money into CameronDeclared for Milam County only

2023

Severe Winter Storm

$170K to the City of Cameron for repairs

2021

Severe Winter Storms

105 households applied for aid $66K aid approved

2017

Hurricane Harvey

1 household applied for aid $500 aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

67 households applied for aid $34K aid approved

2007

Severe Storms, Tornadoes, and Flooding

22 households applied for aid $108K aid approved $5K to the City of Cameron for repairs

Milam County has had 18 natural disasters declared since 1953, most often hurricanes and fires.

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