La Joya, TX natural hazards
Most of the natural-hazard damage FEMA expects in La Joya comes from cold waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 1996. 8 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is La Joya?
FEMA expects yearly storm and flood damage to homes and buildings in La Joya to be higher than in 44% of U.S. communities, mostly from cold waves and hurricanes.
What La Joya faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Cold waves
Hurricanes
Inland flooding
Heat waves
Lower here
Not a risk here
Does La Joya flood?
Every paid claim on a federal flood insurance policy in La Joya, from FEMA’s records.
Biggest named events
- Hurricane Hanna: 1 claim, $7K
are insured
What’s been done with FEMA grants
8 federal disasters brought FEMA money here
Disasters the President declared that paid out in La Joya itself: aid to households, or repair grants to the City of La Joya.
Severe Storms and Flooding
Severe Winter Storms
Severe Storms and Flooding
Severe Storms and Flooding
Severe Storms, Tornadoes, Straight-Line Winds and Flooding
Hurricane Alex
Hurricane Dolly
Severe Storms, Tornadoes and Flooding
How to read this page
FEMA’s expected losses across La Joya total about $1.1M 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.