Natural hazards · Magnolia

Magnolia, TX natural hazards

Most of the natural-hazard damage FEMA expects in Magnolia comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 11 claims here since 1985. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Magnolia?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Magnolia to be higher than in 29% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding33%Tornadoes32%Cold waves13%Hurricanes8%Everything else14%

By hazard

What Magnolia faces

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

Inland flooding

33% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

32% of expected damage

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

Recorded about once every 77 years in the area

Cold waves

13% of expected damage

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

Recorded about once every 2 years in the area

Hurricanes

8% of expected damage

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

Recorded about once every 8 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Magnolia flood?

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

11paid claims since 1985

$420Kpaid to owners

0homes flooded more than once

19852026

Biggest named events

Tropical Storm Allison: 2 claims, $74K
Hurricane Harvey: 1 claim, $87K
Early summer severe storms: 1 claim, $4K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

What’s been done with FEMA grants

66flood-prone properties bought out and cleared

Disasters that hit Magnolia

11 federal disasters brought FEMA money here

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

Brought FEMA money into MagnoliaDeclared for Montgomery County only

2024

Hurricane Beryl

7,914 households applied for aid $5.6M aid approved

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

936 households applied for aid $785K aid approved

2021

Severe Winter Storms

828 households applied for aid $473K aid approved

2019

Tropical Storm Imelda

13 households applied for aid $4K aid approved

2017

Hurricane Harvey

1,581 households applied for aid $2.2M aid approved $33K to the City of Magnolia for repairs

2016

Severe Storms and Flooding

736 households applied for aid $3.0M aid approved $555K to the City of Magnolia for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

26 households applied for aid $34K aid approved

2011

Wildfires

133 households applied for aid $355K aid approved

2008

Hurricane Ike

4,139 households applied for aid $1.6M aid approved $49K to the City of Magnolia for repairs

2005

Hurricane Rita

179 households applied for aid $87K aid approved $12K to the City of Magnolia for repairs

2002

Severe Storms, Tornadoes and Flooding

3 households applied for aid $7K aid approved

Montgomery County has had 31 natural disasters declared since 1953, most often fires 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. Magnolia covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Magnolia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Magnolia. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Magnolia total about $1.6M 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.