Natural hazards · Emerald Bay

Emerald Bay, TX natural hazards

Most of the natural-hazard damage FEMA expects in Emerald Bay comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Emerald Bay?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Emerald Bay to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding65%Cold waves12%Heat waves11%Everything else12%

By hazard

What Emerald Bay faces

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

Inland flooding

65% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 2 times a year in the area

Cold waves

12% of expected damage

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

Recorded about once a year in the area

Heat waves

11% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 19 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Emerald Bay flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Smith County.

Disasters that hit Emerald Bay

Federal disasters declared here

None of the disasters declared for Smith County shows FEMA aid or repair money reaching Emerald Bay itself in FEMA’s records.

Brought FEMA money into Emerald BayDeclared for Smith County only

Smith County has had 25 natural disasters declared since 1953, most often hurricanes and fires.

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. Emerald Bay covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Emerald Bay’s own flood-insurance community; household aid to the registrant’s city; repair grants to Emerald Bay. 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 Emerald Bay total about $744K 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.