Natural hazards · Cut and Shoot

Cut and Shoot, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cut and Shoot comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 2016. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cut and Shoot?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cut and Shoot to be higher than in 63% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes32%Cold waves13%Hurricanes6%Everything else13%

By hazard

What Cut and Shoot faces

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

Inland flooding

37% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

32% of expected damage

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

Recorded about once every 40 years in the area

Cold waves

13% of expected damage

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

Recorded about once every 2 years in the area

Hurricanes

6% 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 Cut and Shoot flood?

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

9paid claims since 2016

$426Kpaid to owners

3homes flooded more than once

20162026

Biggest named events

Early summer severe storms: 3 claims, $94K
Tropical Storm Imelda: 3 claims, $184K
Hurricane Harvey: 2 claims, $127K

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. Cut and Shoot isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Montgomery County.

Disasters that hit Cut and Shoot

7 federal disasters brought FEMA money here

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

Brought FEMA money into Cut and ShootDeclared for Montgomery County only

2024

Hurricane Beryl

41 households applied for aid $30K aid approved

2024

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

4 households applied for aid

2021

Severe Winter Storms

1 household applied for aid

2019

Tropical Storm Imelda

2 households applied for aid $8K aid approved

2017

Hurricane Harvey

5 households applied for aid $28K aid approved

2008

Hurricane Ike

20 households applied for aid $37K aid approved

2005

Hurricane Rita

7 households applied for aid $8K aid approved

Montgomery County has had 31 natural disasters declared since 1953, most often fires 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. Cut and Shoot 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 Cut and Shoot’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cut and Shoot. 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.