Natural hazards · Cienegas Terrace

Cienegas Terrace, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cienegas Terrace comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2017.

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

Expected damage

How exposed is Cienegas Terrace?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cienegas Terrace to be higher than in 3% of U.S. communities, mostly from inland flooding.

Inland flooding54%Heat waves10%Tornadoes9%Hail9%Cold waves7%Lightning5%Everything else6%

By hazard

What Cienegas Terrace faces

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

Inland flooding

54% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 4 times a year in the area

Heat waves

10% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

9% of expected damage

Below average · higher than 31% of U.S. places

Hail

9% of expected damage

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

Recorded about once a year in the area

Cold waves

7% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 2 years in the area

Lightning

5% of expected damage

Above average · higher than 62% of U.S. places

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong wind

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Cienegas Terrace flood?

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

1paid claims since 2017

$8Kpaid to owners

0homes flooded more than once

20172026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Val Verde County.

Disasters that hit Cienegas Terrace

Federal disasters declared here

None of the disasters declared for Val Verde County shows FEMA aid or repair money reaching Cienegas Terrace itself in FEMA’s records.

Brought FEMA money into Cienegas TerraceDeclared for Val Verde County only

Val Verde County has had 12 natural disasters declared since 1953, most often fires and hurricanes.

Around Cienegas Terrace

Cienegas Terrace and the towns around it

Very lowLowModerateHighVery high

Del Riomostly inland floodingLow

Cienegas Terracemostly inland floodingVery low

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. Cienegas Terrace covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cienegas Terrace’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Cienegas Terrace. 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 Cienegas Terrace total about $484K 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.