Natural hazards · Henderson

Henderson, TX natural hazards

Most of the natural-hazard damage FEMA expects in Henderson comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 20 claims here since 1985. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Henderson?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Henderson to be higher than in 23% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding31%Tornadoes19%Strong wind17%Heat waves12%Cold waves10%Everything else12%

By hazard

What Henderson faces

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

Inland flooding

31% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

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

Strong wind

17% of expected damage

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

Recorded about 6 times a year in the area

Heat waves

12% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 20 times a year in the area

Cold waves

10% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Henderson flood?

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

20paid claims since 1985

$233Kpaid to owners

3homes flooded more than once

19852026

Biggest named events

Late winter severe storms: 1 claim, $55K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rusk County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Henderson

7 federal disasters brought FEMA money here

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

Brought FEMA money into HendersonDeclared for Rusk County only

2024

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

184 households applied for aid $588K aid approved

2021

Severe Winter Storms

247 households applied for aid $133K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

393 households applied for aid $326K aid approved $237K to the City of Henderson for repairs

2011

Wildfires

6 households applied for aid $30K aid approved

2008

Hurricane Ike

155 households applied for aid $37K aid approved $100K to the City of Henderson for repairs

2005

Hurricane Rita

$33K to the City of Henderson for repairs

2000

Severe Winter Ice Storm

$90K to the City of Henderson for repairs

Rusk County has had 21 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. Henderson covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Henderson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Henderson. 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 Henderson total about $3.3M 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.