Natural hazards · Combine

Combine, TX natural hazards

Most of the natural-hazard damage FEMA expects in Combine comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Combine?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Combine to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding51%Tornadoes14%Heat waves11%Cold waves11%Hail7%Everything else6%

By hazard

What Combine faces

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

Inland flooding

51% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 14 years in the area

Heat waves

11% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 17 times a year in the area

Cold waves

11% of expected damage

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

Recorded about once a year in the area

Hail

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesIce 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 Combine flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kaufman County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Combine

3 federal disasters brought FEMA money here

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

Brought FEMA money into CombineDeclared for Kaufman County only

2024

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

8 households applied for aid $8K aid approved

2021

Severe Winter Storms

10 households applied for aid $5K aid approved

2007

Severe Storms, Tornadoes, and Flooding

$12K to the City of Combine for repairs

Kaufman County has had 15 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Combine

Combine and the towns around it

Very lowLowModerateHighVery high

Seagovillemostly heat wavesModerate

Combinemostly inland floodingLow

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