Natural hazards · Mont Belvieu

Mont Belvieu, TX natural hazards

Most of the natural-hazard damage FEMA expects in Mont Belvieu comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 60 claims here since 1981. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mont Belvieu?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mont Belvieu to be higher than in 64% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding38%Hurricanes27%Tornadoes19%Cold waves5%Everything else11%

By hazard

What Mont Belvieu faces

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

Inland flooding

38% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once a year in the area

Hurricanes

27% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

19% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 23 years in the area

Cold waves

5% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Mont Belvieu flood?

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

60paid claims since 1981

$4.7Mpaid to owners

5homes flooded more than once

19812026

Biggest named events

Hurricane Harvey: 42 claims, $4.5M
Hurricane Ike: 3 claims, $46K
Tropical Storm Imelda: 1 claim, $2K

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. Mont Belvieu isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Chambers County.

Disasters that hit Mont Belvieu

7 federal disasters brought FEMA money here

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

Brought FEMA money into Mont BelvieuDeclared for Chambers County only

2024

Hurricane Beryl

345 households applied for aid $196K aid approved $104K to the City of Mont Belvieu for repairs

2021

Severe Winter Storms

23 households applied for aid $8K aid approved $268K to the City of Mont Belvieu for repairs

2020

Tropical Storms Marco and Laura

$107K to the City of Mont Belvieu for repairs

2019

Tropical Storm Imelda

1 household applied for aid $1K aid approved

2017

Hurricane Harvey

164 households applied for aid $451K aid approved $901K to the City of Mont Belvieu for repairs

2008

Hurricane Ike

216 households applied for aid $76K aid approved $245K to the City of Mont Belvieu for repairs

2005

Hurricane Rita

414 households applied for aid $155K aid approved $131K to the City of Mont Belvieu for repairs

Chambers County has had 17 natural disasters declared since 1953, most often hurricanes and floods.

Around Mont Belvieu

Mont Belvieu and the towns around it

Very lowLowModerateHighVery high

Baytownmostly inland floodingHigh

Mont Belvieumostly inland floodingHigh

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. Mont Belvieu covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Mont Belvieu’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mont Belvieu. 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 Mont Belvieu total about $7.2M 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.