Natural hazards · Henrietta

Henrietta, TX natural hazards

Most of the natural-hazard damage FEMA expects in Henrietta comes from tornadoes, and overall the risk is low for a U.S. community. Flood insurance has paid 25 claims here since 1981.

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

Expected damage

How exposed is Henrietta?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Henrietta to be higher than in 30% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes32%Inland flooding31%Strong wind8%Heat waves8%Hail7%Wildfire7%Everything else8%

By hazard

What Henrietta faces

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

Tornadoes

32% of expected damage

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

Recorded about once every 84 years in the area

Inland flooding

31% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once every 2 years in the area

Strong wind

8% of expected damage

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

Recorded about 3 times a year in the area

Heat waves

8% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 16 times a year in the area

Hail

7% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 9 times a year in the area

Wildfire

7% of expected damage

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

Lower here

HurricanesIce stormsWinter weatherCold wavesEarthquakesLandslidesLightningDrought

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 Henrietta flood?

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

25paid claims since 1981

$897Kpaid to owners

3homes flooded more than once

19812026

Biggest named events

Early summer severe storms: 3 claims, $213K
Fall severe storms: 1 claim, $52K
Tropical Storm Imelda: 1 claim, $63K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Clay County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Henrietta

Federal disasters declared here

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

Brought FEMA money into HenriettaDeclared for Clay County only

Clay County has had 16 natural disasters declared since 1953, most often fires and severe storms.

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. Henrietta covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Henrietta’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Henrietta. 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 Henrietta 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.