Natural hazards · Heidelberg

Heidelberg, TX natural hazards

Most of the natural-hazard damage FEMA expects in Heidelberg comes from cold waves, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Heidelberg?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Heidelberg to be higher than in 69% of U.S. communities, mostly from cold waves and hurricanes.

Cold waves55%Hurricanes24%Inland flooding9%Everything else13%

By hazard

What Heidelberg faces

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

Cold waves

55% of expected damage

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

Recorded about 3 times a year in the area

Hurricanes

24% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 7 years in the area

Inland flooding

9% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesStrong windLightningDrought

Not a risk here

Coastal floodingLandslidesAvalanchesTsunamisVolcanic 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 Heidelberg flood?

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

of all homes
are insured

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

Insurance rates: Hidalgo County.

Disasters that hit Heidelberg

Federal disasters declared here

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

Brought FEMA money into HeidelbergDeclared for Hidalgo County only

Hidalgo County has had 27 natural disasters declared since 1953, most often hurricanes 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. Heidelberg 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 Heidelberg’s own flood-insurance community; household aid to the registrant’s city; repair grants to Heidelberg. 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.