Natural hazards · Combes

Combes, TX natural hazards

Most of the natural-hazard damage FEMA expects in Combes comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 136 claims here since 1982. 10 federal disasters brought FEMA money into town.

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

How exposed is Combes?

70
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Combes to be higher than in 70% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes55%Inland flooding19%Cold waves17%Everything else9%
By hazard

What Combes faces

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

Hurricanes

55% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about once every 7 years in the area

Inland flooding

19% of expected damage
Well below average · higher than 12% of U.S. places
Recorded about 3 times a year in the area

Cold waves

17% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about 3 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Combes flood?

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

136paid claims since 1982
$9.8Mpaid to owners
33homes flooded more than once
19822026

Biggest named events

  • Hurricane Dolly: 16 claims, $984K
  • Hurricane Hanna: 1 claim, $2K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Combes isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cameron County.

What’s been done with FEMA grants

1buildings retrofitted against wind
Disasters that hit Combes

10 federal disasters brought FEMA money here

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

Brought FEMA money into CombesDeclared for Cameron County only
2025

Severe Storms and Flooding

26 households applied for aid $123K aid approved
2021

Severe Winter Storms

3 households applied for aid
2019

Severe Storms and Flooding

37 households applied for aid $117K aid approved
2018

Severe Storms and Flooding

5 households applied for aid
2015

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

3 households applied for aid
2010

Hurricane Alex

1 household applied for aid $42K to the Town of Combes for repairs
2008

Hurricane Ike

$5K to the Town of Combes for repairs
2008

Hurricane Dolly

171 households applied for aid $152K aid approved $1.4M to the Town of Combes for repairs
2002

Severe Storms, Tornadoes and Flooding

5 households applied for aid $10K aid approved
1999

Hurricane Bret

$13K to the Town of Combes for repairs
Cameron County has had 29 natural disasters declared since 1953, most often hurricanes and floods.
Around Combes

Combes and the towns around it

Harlingen: High, mostly hurricanesPrimera: High, mostly hurricanesLasana: High, mostly hurricanesSan Benito: High, mostly hurricanesJuarez: High, mostly hurricanesLas Palmas II: High, mostly hurricanesPalm Valley: High, mostly hurricanesCombes: High, mostly hurricanes CombesHarlingenPrimeraLasana
Very lowLowModerateHighVery high
Harlingenmostly hurricanesHigh
Primeramostly hurricanesHigh
Lasanamostly hurricanesHigh
Combesmostly hurricanesHigh
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. Combes 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 Combes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Combes. 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.

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