Mercedes, TX natural hazards
Most of the natural-hazard damage FEMA expects in Mercedes comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 241 claims here since 1978. 10 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Mercedes?
FEMA expects yearly storm and flood damage to homes and buildings in Mercedes to be higher than in 65% of U.S. communities, mostly from hurricanes and cold waves.
What Mercedes faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Cold waves
Inland flooding
Lower here
Not a risk here
Does Mercedes flood?
Every paid claim on a federal flood insurance policy in Mercedes, from FEMA’s records.
Biggest named events
- Hurricane Hanna: 14 claims, $929K
- Hurricane Dolly: 8 claims, $181K
- 2026-06-Arthur-TS: 2 claims, $14K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times
are insured
What’s been done with FEMA grants
10 federal disasters brought FEMA money here
Disasters the President declared that paid out in Mercedes itself: aid to households, or repair grants to the City of Mercedes.
Severe Storms and Flooding
Severe Winter Storms
Severe Storms and Flooding
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
Hurricane Bret
Mercedes and the towns around it
How to read this page
FEMA’s expected losses across Mercedes total about $4.0M 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.