Natural hazards · Ganado

Ganado, TX natural hazards

Most of the natural-hazard damage FEMA expects in Ganado comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 16 claims here since 2004. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ganado?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ganado to be higher than in 87% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes56%Inland flooding25%Drought7%Everything else11%

By hazard

What Ganado faces

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

Hurricanes

56% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 6 years in the area

Inland flooding

25% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once a year in the area

Drought

7% of expected damage

Recorded about 59 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

AvalanchesTsunamisVolcanic 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 Ganado flood?

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

16paid claims since 2004

$281Kpaid to owners

3homes flooded more than once

20042026

Biggest named events

Tropical Storm Bill: 5 claims, $90K

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

Insurance rates: Jackson County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Ganado

4 federal disasters brought FEMA money here

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

Brought FEMA money into GanadoDeclared for Jackson County only

2024

Hurricane Beryl

158 households applied for aid $149K aid approved

2021

Severe Winter Storms

36 households applied for aid $6K aid approved $82K to the City of Ganado for repairs

2017

Hurricane Harvey

256 households applied for aid $60K aid approved $31K to the City of Ganado for repairs

2003

Hurricane Claudette

22 households applied for aid $11K aid approved

Jackson County has had 19 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. Ganado 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 Ganado’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ganado. 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.