Natural hazards · Hamlin

Hamlin, TX natural hazards

Most of the natural-hazard damage FEMA expects in Hamlin comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 45 claims here since 1980. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hamlin?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamlin to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding56%Hail13%Drought12%Tornadoes9%Everything else9%

By hazard

What Hamlin faces

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

Inland flooding

56% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once a year in the area

Hail

13% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Drought

12% of expected damage

Recorded about 74 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 9 years in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat 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 Hamlin flood?

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

45paid claims since 1980

$3.0Mpaid to owners

5homes flooded more than once

19802026

Biggest named events

Tropical Storm Erin: 21 claims, $1.7M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jones County.

Disasters that hit Hamlin

2 federal disasters brought FEMA money here

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

Brought FEMA money into HamlinDeclared for Jones County only

2021

Severe Winter Storms

46 households applied for aid $22K aid approved

2007

Tropical Storm Erin

201 households applied for aid $1.0M aid approved

Jones County has had 20 natural disasters declared since 1953, most often severe storms 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. Hamlin 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 Hamlin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hamlin. 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.