Natural hazards · Central Gardens

Central Gardens, TX natural hazards

Most of the natural-hazard damage FEMA expects in Central Gardens comes from hurricanes, 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 Central Gardens?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Central Gardens to be higher than in 79% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes41%Inland flooding28%Tornadoes15%Cold waves7%Everything else8%

By hazard

What Central Gardens faces

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

Hurricanes

41% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 6 years in the area

Inland flooding

28% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

15% of expected damage

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

Cold waves

7% of expected damage

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

Recorded about once a year in the area

Lower here

Coastal floodingHailIce stormsWinter weatherHeat 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 Central Gardens flood?

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

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Central Gardens

1 federal disaster brought FEMA money here

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

Brought FEMA money into Central GardensDeclared for Jefferson County only

2017

Hurricane Harvey

1 household applied for aid

Jefferson County has had 24 natural disasters declared since 1953, most often floods and hurricanes.

Around Central Gardens

Central Gardens and the towns around it

Very lowLowModerateHighVery high

Central Gardensmostly hurricanesHigh

Nederlandmostly hurricanesHigh

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. Central Gardens 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 Central Gardens’s own flood-insurance community; household aid to the registrant’s city; repair grants to Central Gardens. 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.