Natural hazards · College Station

College Station, TX natural hazards

Most of the natural-hazard damage FEMA expects in College Station comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 124 claims here since 1981. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is College Station?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in College Station to be higher than in 13% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding29%Cold waves25%Tornadoes25%Hurricanes6%Heat waves5%Everything else11%

By hazard

What College Station faces

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

Inland flooding

29% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once a year in the area

Cold waves

25% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once a year in the area

Tornadoes

25% of expected damage

Above average · higher than 68% of U.S. places

Hurricanes

6% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 13 years in the area

Heat waves

5% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 12 times a year in the area

Lower here

HailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 College Station flood?

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

124paid claims since 1981

$1.4Mpaid to owners

8homes flooded more than once

19812026

Biggest named events

Hurricane Alicia: 12 claims, $43K
Early summer severe storms: 6 claims, $70K
Texas Spring Flooding: 3 claims, $48K

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

🏷️ 20% off flood insurance. College Station is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Brazos County.

What’s been done with FEMA grants

5storm safe rooms built

Disasters that hit College Station

5 federal disasters brought FEMA money here

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

Brought FEMA money into College StationDeclared for Brazos County only

2021

Severe Winter Storms

672 households applied for aid $159K aid approved $500K to the City of College Station for repairs

2016

Severe Storms and Flooding

41 households applied for aid $31K aid approved

2008

Hurricane Ike

$82K to the City of College Station for repairs

2005

Hurricane Rita

$40K to the City of College Station for repairs

2005

Hurricane Katrina Evacuation

$258K to the City of College Station for repairs

Brazos County has had 14 natural disasters declared since 1953, most often hurricanes 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. College Station covers 27 census tracts, combined by population.

Money that reached townFlood claims are matched to College Station’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of College Station. 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 College Station total about $27.2M 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.