Elsa, TX natural hazards
Most of the natural-hazard damage FEMA expects in Elsa comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 22 claims here since 1980. 10 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Elsa?
FEMA expects yearly storm and flood damage to homes and buildings in Elsa to be higher than in 67% of U.S. communities, mostly from hurricanes and cold waves.
What Elsa faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Cold waves
Inland flooding
Heat waves
Lower here
Not a risk here
Does Elsa flood?
Every paid claim on a federal flood insurance policy in Elsa, from FEMA’s records.
Biggest named events
- Hurricane Dolly: 6 claims, $134K
- Hurricane Hanna: 5 claims, $23K
- Hurricane Allen: 1 claim, $3K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times
are insured
10 federal disasters brought FEMA money here
Disasters the President declared that paid out in Elsa itself: aid to households, or repair grants to the City of Elsa.
Severe Storms and Flooding
Severe Winter Storms
Severe Storms and Flooding
Severe Storms and Flooding
Severe Storms and Flooding
Severe Storms, Tornadoes, Straight-Line Winds and Flooding
Hurricane Alex
Hurricane Dolly
Severe Storms, Tornadoes and Flooding
Hurricane Bret
How to read this page
FEMA’s expected losses across Elsa total about $1.5M 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.