Natural hazards · Humble

Humble, TX natural hazards

Most of the natural-hazard damage FEMA expects in Humble comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 773 claims here since 1978. 13 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Humble?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Humble to be higher than in 62% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding40%Hurricanes25%Tornadoes23%Cold waves7%Everything else6%

By hazard

What Humble faces

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

Inland flooding

40% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

25% of expected damage

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

Recorded about once every 5 years in the area

Tornadoes

23% of expected damage

Above average · higher than 64% of U.S. places

Cold waves

7% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 2 years in the area

Lower here

HailIce 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 Humble flood?

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

773paid claims since 1978

$59.6Mpaid to owners

87homes flooded more than once

19782026

Biggest named events

Hurricane Harvey: 216 claims, $40.8M
Tropical Storm Allison: 85 claims, $3.2M
Heavy rains: 52 claims, $1.5M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (28) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Harris County.

What’s been done with FEMA grants

285flood-prone properties bought out and cleared

5homes raised above flood level

2flood-prone homes bought out and moved

1storm safe rooms built

Disasters that hit Humble

13 federal disasters brought FEMA money here

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

Brought FEMA money into HumbleDeclared for Harris County only

2024

Hurricane Beryl

38,356 households applied for aid $31.5M aid approved $509K to the City of Humble for repairs

2024

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

5,408 households applied for aid $3.1M aid approved

2021

Severe Winter Storms

4,979 households applied for aid $1.8M aid approved $11K to the City of Humble for repairs

2019

Tropical Storm Imelda

578 households applied for aid $849K aid approved

2017

Hurricane Harvey

14,164 households applied for aid $25.6M aid approved $1.5M to the City of Humble for repairs

2016

Severe Storms and Flooding

374 households applied for aid $588K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

103 households applied for aid $101K aid approved

2008

Hurricane Ike

13,413 households applied for aid $2.0M aid approved $1.6M to the City of Humble for repairs

2007

Tropical Storm Erin

3 households applied for aid $15K aid approved

2005

Hurricane Rita

2,255 households applied for aid $767K aid approved $120K to the City of Humble for repairs

2005

Hurricane Katrina Evacuation

$21K to the City of Humble for repairs

2002

Severe Storms, Tornadoes and Flooding

118 households applied for aid $344K aid approved

2001

Tx-Tropical Storm Allison-06-06-2001

$28K to the City of Humble for repairs

Harris County has had 34 natural disasters declared since 1953, most often floods and hurricanes.

Around Humble

Humble and the towns around it

Very lowLowModerateHighVery high

Houstonmostly inland floodingVery high

Humblemostly inland floodingHigh

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. Humble covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Humble’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Humble. 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 Humble total about $8.7M 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.