Natural hazards · Martindale

Martindale, TX natural hazards

Most of the natural-hazard damage FEMA expects in Martindale comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 35 claims here since 1998. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Martindale?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Martindale to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding91%Everything else9%

By hazard

What Martindale faces

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

Inland flooding

91% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Martindale flood?

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

35paid claims since 1998

$1.2Mpaid to owners

3homes flooded more than once

19982026

Biggest named events

Early summer storms: 10 claims, $423K
Fall severe storms: 7 claims, $242K
Torrential rain: 1 claim, $1K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Caldwell County.

Disasters that hit Martindale

6 federal disasters brought FEMA money here

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

Brought FEMA money into MartindaleDeclared for Caldwell County only

2024

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

24 households applied for aid $146K aid approved

2021

Severe Winter Storms

38 households applied for aid $77K aid approved

2017

Hurricane Harvey

6 households applied for aid $994 aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

216 households applied for aid $956K aid approved $49K to the City of Martindale for repairs

2013

Severe Storms and Flooding

$46K to the City of Martindale for repairs

1998

Tx-Flooding 10/18/98

$24K to the City of Martindale for repairs

Caldwell County has had 19 natural disasters declared since 1953, most often fires 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. Martindale 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 Martindale’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Martindale. 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.