Natural hazards · Coldspring

Coldspring, TX natural hazards

Most of the natural-hazard damage FEMA expects in Coldspring comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1998. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Coldspring?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coldspring to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes37%Cold waves6%Hurricanes6%Everything else11%

By hazard

What Coldspring faces

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

Inland flooding

40% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Tornadoes

37% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 21 years in the area

Cold waves

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

6% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 8 years in the area

Lower here

HailIce 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 Coldspring flood?

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

5paid claims since 1998

$51Kpaid to owners

1homes flooded more than once

19982026

Biggest named events

Hurricane Harvey: 1 claim, $33K
Tropical Storm Allison: 1 claim, $2K
Heavy rains: 1 claim, $2K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: San Jacinto County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Coldspring

9 federal disasters brought FEMA money here

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

Brought FEMA money into ColdspringDeclared for San Jacinto County only

2024

Hurricane Beryl

1,110 households applied for aid $2.0M aid approved $43K to the City of Coldspring for repairs

2024

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

690 households applied for aid $5.0M aid approved $20K to the City of Coldspring for repairs

2021

Severe Winter Storms

275 households applied for aid $347K aid approved

2019

Tropical Storm Imelda

6 households applied for aid

2017

Hurricane Harvey

757 households applied for aid $2.9M aid approved $27K to the City of Coldspring for repairs

2016

Severe Storms and Flooding

251 households applied for aid $590K aid approved $35K to the City of Coldspring for repairs

2008

Hurricane Ike

785 households applied for aid $838K aid approved $13K to the City of Coldspring for repairs

2005

Hurricane Rita

1,639 households applied for aid $1.6M aid approved $8K to the City of Coldspring for repairs

2002

Severe Storms, Tornadoes and Flooding

259 households applied for aid $763K aid approved

San Jacinto County has had 26 natural disasters declared since 1953, most often floods and hurricanes.

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