Cinco Ranch’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Cinco Ranch comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 9 claims here since 1981. 2 federal disasters brought FEMA money into town.
What stands out about Cinco Ranch’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Cinco Ranch?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 47% of U.S. communities, mostly from inland flooding and hurricanes.
Rated higher than 938 of the 1,859 Texas towns we cover.
Cinco Ranch covers 3 census tracts, combined by population.
What Cinco Ranch faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Hurricanes
Tornadoes
Cold waves
Heat waves
Does Cinco Ranch flood? Rarely: 9 flood claims since 1981
Every paid claim on a federal flood insurance policy in Cinco Ranch, from FEMA’s records.
- Hurricane Harvey2 claims · $13K
- Hurricane Alicia1 claim · $864
Cinco Ranch isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fort Bend County.2 federal disasters brought FEMA money to Cinco Ranch
Disasters that paid out in Cinco Ranch itself (aid to households or repair grants to Cinco Ranch) and its biggest flood years.
- 2021Severe Winter Storms1 household applied for aid
- 2017Hurricane Harvey1 household applied for aid$500 aid approved
Fort Bend County has had 22 natural disasters declared since 1953, most often hurricanes and floods.
Old photos of Cinco Ranch after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cinco Ranch archive →Get ready for what Cinco Ranch actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Cinco Ranch and its neighbors
How storm and flood risk compares across the town line. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Houston | Very high | inland flooding | 71,124 |
| Cinco Ranch | Moderate | inland flooding | 9 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in August–October
The month each of Fort Bend County’s 22 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Cinco Ranch’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Cinco Ranch.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Cinco Ranch, expected losses total about $3.9M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Cinco Ranch.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.