Natural hazards · Clute

Clute, TX natural hazards

Most of the natural-hazard damage FEMA expects in Clute comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 270 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Clute?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clute to be higher than in 54% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes44%Inland flooding30%Tornadoes14%Everything else12%

By hazard

What Clute faces

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

Hurricanes

44% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

30% of expected damage

Below average · higher than 27% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 53% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Clute flood?

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

270paid claims since 1979

$3.5Mpaid to owners

24homes flooded more than once

19792026

Biggest named events

Tropical Storm Claudette: 36 claims, $129K
Tropical Storm Allison: 7 claims, $100K
Hurricane Harvey: 4 claims, $185K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Brazoria County.

Disasters that hit Clute

9 federal disasters brought FEMA money here

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

Brought FEMA money into CluteDeclared for Brazoria County only

2024

Hurricane Beryl

2,791 households applied for aid $3.1M aid approved $1.4M to the City of Clute for repairs

2021

Severe Winter Storms

282 households applied for aid $153K aid approved $65K to the City of Clute for repairs

2017

Hurricane Harvey

1,551 households applied for aid $1.1M aid approved $149K to the City of Clute for repairs

2016

Severe Storms and Flooding

2 households applied for aid

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

11 households applied for aid $33K aid approved

2008

Hurricane Ike

1,404 households applied for aid $338K aid approved $1.1M to the City of Clute for repairs

2005

Hurricane Rita

859 households applied for aid $246K aid approved $70K to the City of Clute for repairs

2003

Hurricane Claudette

29 households applied for aid $31K aid approved

2002

Severe Storms, Tornadoes and Flooding

13 households applied for aid $19K aid approved

Brazoria County has had 28 natural disasters declared since 1953, most often hurricanes and floods.

Around Clute

Clute and the towns around it

Very lowLowModerateHighVery high

Richwoodmostly inland floodingHigh

Lake Jacksonmostly inland floodingHigh

Clutemostly hurricanesModerate

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. Clute covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Clute’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Clute. 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 Clute total about $2.8M 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.