Natural hazards · Ingram

Ingram, TX natural hazards

Most of the natural-hazard damage FEMA expects in Ingram comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 2024. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ingram?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ingram to be higher than in 37% of U.S. communities, mostly from inland flooding.

Inland flooding67%Tornadoes13%Everything else21%

By hazard

What Ingram faces

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

Inland flooding

67% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

13% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Ingram flood?

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

5paid claims since 2024

$459Kpaid to owners

0homes flooded more than once

20242026

Biggest named events

2025 July Central TX Flooding: 3 claims, $257K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kerr County.

Disasters that hit Ingram

2 federal disasters brought FEMA money here

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

Brought FEMA money into IngramDeclared for Kerr County only

2025

Severe Storms, Straight-Line Winds, and Flooding

328 households applied for aid $2.5M aid approved $435K to the City of Ingram for repairs

2021

Severe Winter Storms

15 households applied for aid $9K aid approved

Kerr County has had 16 natural disasters declared since 1953, most often floods 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. Ingram 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 Ingram’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ingram. 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.