Natural hazards · Conroe

Conroe, TX natural hazards

Most of the natural-hazard damage FEMA expects in Conroe comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 708 claims here since 1978. 13 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Conroe?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Conroe to be higher than in 36% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding36%Tornadoes32%Cold waves12%Hurricanes9%Everything else12%

By hazard

What Conroe faces

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

Inland flooding

36% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

32% of expected damage

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

Cold waves

12% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

9% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 7 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 Conroe flood?

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

708paid claims since 1978

$29.6Mpaid to owners

105homes flooded more than once

19782026

Biggest named events

Early summer severe storms: 72 claims, $4.5M
Tropical Storm Imelda: 69 claims, $5.6M
Tropical Storm Allison: 67 claims, $1.6M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (30) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Conroe is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Montgomery County.

What’s been done with FEMA grants

309flood-prone properties bought out and cleared

3storm safe rooms built

1flood-prone homes bought out and moved

Disasters that hit Conroe

13 federal disasters brought FEMA money here

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

Brought FEMA money into ConroeDeclared for Montgomery County only

2024

Hurricane Beryl

25,278 households applied for aid $21.5M aid approved $2.0M to the City of Conroe for repairs

2024

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

2,810 households applied for aid $5.9M aid approved $260K to the City of Conroe for repairs

2021

Severe Winter Storms

2,269 households applied for aid $1.2M aid approved $214K to the City of Conroe for repairs

2019

Tropical Storm Imelda

671 households applied for aid $2.1M aid approved

2017

Hurricane Harvey

5,474 households applied for aid $11.1M aid approved $4.2M to the City of Conroe for repairs

2016

Severe Storms and Flooding

1,430 households applied for aid $4.0M aid approved $766K to the City of Conroe for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

42 households applied for aid $45K aid approved

2011

Wildfires

3 households applied for aid $22K aid approved

2008

Hurricane Ike

10,154 households applied for aid $4.1M aid approved $2.7M to the City of Conroe for repairs

2005

Hurricane Rita

3,259 households applied for aid $1.8M aid approved $369K to the City of Conroe for repairs

2002

Severe Storms, Tornadoes and Flooding

143 households applied for aid $612K aid approved

2001

Tx-Tropical Storm Allison-06-06-2001

$142K to the City of Conroe for repairs

1998

Tx-Flooding 10/18/98

$50K to the City of Conroe for repairs

Montgomery County has had 31 natural disasters declared since 1953, most often fires and hurricanes.

Around Conroe

Conroe and the towns around it

Very lowLowModerateHighVery high

The Woodlandsmostly inland floodingModerate

Conroemostly inland floodingLow

Willismostly tornadoesVery low

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. Conroe covers 25 census tracts, combined by population.

Money that reached townFlood claims are matched to Conroe’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Conroe. 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 Conroe total about $27.5M 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.