Natural hazards · Eagle Lake

Eagle Lake, TX natural hazards

Most of the natural-hazard damage FEMA expects in Eagle Lake comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 7 claims here since 1985. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Eagle Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eagle Lake to be higher than in 54% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding24%Hurricanes22%Cold waves18%Drought15%Tornadoes12%Everything else10%

By hazard

What Eagle Lake faces

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

Inland flooding

24% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Hurricanes

22% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 9 years in the area

Cold waves

18% of expected damage

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

Recorded about once every 2 years in the area

Drought

15% of expected damage

Recorded about 40 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 77% 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 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 Eagle Lake flood?

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

7paid claims since 1985

$243Kpaid to owners

1homes flooded more than once

19852026

Biggest named events

Tropical Storm Beta: 1 claim, $3K

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

Insurance rates: Colorado County.

Disasters that hit Eagle Lake

7 federal disasters brought FEMA money here

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

Brought FEMA money into Eagle LakeDeclared for Colorado County only

2024

Hurricane Beryl

85 households applied for aid $220K aid approved $92K to the City of Eagle Lake for repairs

2021

Severe Winter Storms

163 households applied for aid $84K aid approved

2017

Hurricane Harvey

335 households applied for aid $414K aid approved $39K to the City of Eagle Lake for repairs

2016

Severe Storms and Flooding

12 households applied for aid $45K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

8 households applied for aid $43K aid approved

2011

Wildfires

4 households applied for aid $9K aid approved

2005

Hurricane Rita

$6K to the City of Eagle Lake for repairs

Colorado County has had 16 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. Eagle Lake 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 Eagle Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Eagle Lake. 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.