Natural hazards · Louise

Louise, TX natural hazards

Most of the natural-hazard damage FEMA expects in Louise comes from hurricanes, and overall the risk is very high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Louise?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Louise to be higher than in 87% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes44%Inland flooding25%Drought13%Cold waves11%Everything else8%

By hazard

What Louise faces

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

Hurricanes

44% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 7 years in the area

Inland flooding

25% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once a year in the area

Drought

13% of expected damage

Recorded about 49 times a year in the area

Cold waves

11% of expected damage

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

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Louise flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wharton County.

Disasters that hit Louise

5 federal disasters brought FEMA money here

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

Brought FEMA money into LouiseDeclared for Wharton County only

2024

Hurricane Beryl

214 households applied for aid $233K aid approved

2021

Severe Winter Storms

29 households applied for aid $9K aid approved

2017

Hurricane Harvey

74 households applied for aid $22K aid approved

2016

Severe Storms and Flooding

1 household applied for aid

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

13 households applied for aid $32K aid approved

Wharton 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. Louise 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 Louise’s own flood-insurance community; household aid to the registrant’s city; repair grants to Louise. 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.