Natural hazards · Coffee

Coffee, TX natural hazards

Most of the natural-hazard damage FEMA expects in Coffee comes from cold waves, and overall the risk is moderate 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 Coffee?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coffee to be higher than in 43% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves36%Inland flooding33%Tornadoes17%Everything else14%

By hazard

What Coffee faces

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

Cold waves

36% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Inland flooding

33% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once every 30 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Coffee flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henderson County.

Disasters that hit Coffee

1 federal disaster brought FEMA money here

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

Brought FEMA money into CoffeeDeclared for Henderson County only

2024

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

8 households applied for aid $45K aid approved $33K to the Town of Coffee for repairs

Henderson County has had 20 natural disasters declared since 1953, most often severe storms and floods.

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. Coffee 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 Coffee’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Coffee. 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.