Natural hazards · Joaquin

Joaquin, TX natural hazards

Most of the natural-hazard damage FEMA expects in Joaquin comes from inland flooding, and overall the risk is low for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Joaquin?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Joaquin to be higher than in 20% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding27%Tornadoes20%Strong wind16%Hurricanes14%Heat waves8%Cold waves6%Everything else9%

By hazard

What Joaquin faces

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

Inland flooding

27% of expected damage

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

Recorded about once a year in the area

Tornadoes

20% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 8 years in the area

Strong wind

16% of expected damage

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

Recorded about 6 times a year in the area

Hurricanes

14% of expected damage

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

Recorded about once every 15 years in the area

Heat waves

8% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 21 times a year in the area

Cold waves

6% of expected damage

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

Recorded about once every 2 years in the area

Lower here

HailIce 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 Joaquin flood?

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

of all homes
are insured

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

Insurance rates: Shelby County.

Disasters that hit Joaquin

6 federal disasters brought FEMA money here

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

Brought FEMA money into JoaquinDeclared for Shelby County only

2024

Hurricane Beryl

38 households applied for aid $13K aid approved

2021

Severe Winter Storms

54 households applied for aid $24K aid approved

2016

Severe Storms, Tornadoes, and Flooding

53 households applied for aid $111K aid approved $11K to the City of Joaquin for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

5 households applied for aid $4K aid approved $59K to the City of Joaquin for repairs

2008

Hurricane Ike

18 households applied for aid $18K aid approved

2005

Hurricane Rita

179 households applied for aid $61K aid approved

Shelby County has had 21 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. Joaquin 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 Joaquin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Joaquin. 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.