Natural hazards · Cloverleaf

Cloverleaf, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cloverleaf comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 394 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cloverleaf?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cloverleaf to be higher than in 78% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes26%Hurricanes17%Cold waves8%Heat waves5%Everything else1%

By hazard

What Cloverleaf faces

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

Inland flooding

43% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

26% of expected damage

Above average · higher than 63% of U.S. places

Hurricanes

17% of expected damage

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

Recorded about once every 5 years in the area

Cold waves

8% of expected damage

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

Recorded about once every 2 years in the area

Heat waves

5% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 15 times a year in the area

Lower here

Coastal floodingHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Cloverleaf flood?

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

394paid claims since 1979

$7.8Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Tropical Storm Allison: 84 claims, $2.7M
Hurricane Harvey: 25 claims, $1.1M
Hurricane Ike: 15 claims, $243K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Harris County.

Disasters that hit Cloverleaf

3 federal disasters brought FEMA money here

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

Brought FEMA money into CloverleafDeclared for Harris County only

2024

Hurricane Beryl

3 households applied for aid $3K aid approved

2024

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

3 households applied for aid $750 aid approved

2017

Hurricane Harvey

4 households applied for aid $9K aid approved

Harris County has had 34 natural disasters declared since 1953, most often floods and hurricanes.

Around Cloverleaf

Cloverleaf and the towns around it

Very lowLowModerateHighVery high

Houstonmostly inland floodingVery high

Cloverleafmostly inland floodingHigh

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. Cloverleaf covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Cloverleaf’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Cloverleaf. 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 Cloverleaf total about $8.8M 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.