Natural hazards · Hamilton

Hamilton, TX natural hazards

Most of the natural-hazard damage FEMA expects in Hamilton comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1983. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hamilton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamilton to be higher than in 21% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes23%Cold waves17%Hail5%Everything else16%

By hazard

What Hamilton faces

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

Inland flooding

39% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once a year in the area

Tornadoes

23% of expected damage

Above average · higher than 73% of U.S. places

Cold waves

17% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Hail

5% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Hamilton flood?

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

6paid claims since 1983

$136Kpaid to owners

0homes flooded more than once

19832026

Biggest named events

Tropical Storm Allison: 4 claims, $122K
Hurricane Alicia: 1 claim, $8K

of all homes
are insured

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

Insurance rates: Hamilton County.

Disasters that hit Hamilton

3 federal disasters brought FEMA money here

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

Brought FEMA money into HamiltonDeclared for Hamilton County only

2024

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

$341K to the City of Hamilton for repairs

2021

Severe Winter Storms

2 households applied for aid

2007

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $14K aid approved

Hamilton County has had 14 natural disasters declared since 1953, most often fires 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. Hamilton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hamilton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hamilton. 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 Hamilton total about $1.2M 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.