Natural hazards · Kennard

Kennard, TX natural hazards

Most of the natural-hazard damage FEMA expects in Kennard comes from cold waves, 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 Kennard?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kennard to be higher than in 22% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves29%Inland flooding23%Lightning20%Tornadoes9%Hurricanes7%Everything else11%

By hazard

What Kennard faces

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

Cold waves

29% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Inland flooding

23% of expected damage

Below average · higher than 25% of U.S. places

Recorded about once a year in the area

Lightning

20% of expected damage

Above average · higher than 67% of U.S. places

Tornadoes

9% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 10 years in the area

Hurricanes

7% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 15 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Kennard flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Houston County.

Disasters that hit Kennard

6 federal disasters brought FEMA money here

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

Brought FEMA money into KennardDeclared for Houston County only

2024

Hurricane Beryl

3 households applied for aid $6K aid approved

2021

Severe Winter Storms

26 households applied for aid $7K aid approved

2018

Severe Storms and Flooding

$7K to the City of Kennard for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid $8K aid approved $2K to the City of Kennard for repairs

2008

Hurricane Ike

193 households applied for aid $57K aid approved

2005

Hurricane Rita

52 households applied for aid $20K aid approved $1K to the City of Kennard for repairs

Houston County has had 23 natural disasters declared since 1953, most often floods and hurricanes.

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. Kennard 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 Kennard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Kennard. 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.