Natural hazards · Nacogdoches

Nacogdoches, TX natural hazards

Most of the natural-hazard damage FEMA expects in Nacogdoches comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 181 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Nacogdoches?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Nacogdoches to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding34%Tornadoes33%Heat waves10%Strong wind9%Everything else15%

By hazard

What Nacogdoches faces

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

Inland flooding

34% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

33% of expected damage

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

Heat waves

10% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 20 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

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 Nacogdoches flood?

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

181paid claims since 1979

$3.9Mpaid to owners

23homes flooded more than once

19792026

Biggest named events

Tropical Storm Allison: 12 claims, $573K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Nacogdoches County.

What’s been done with FEMA grants

8flood-prone properties bought out and cleared

1storm safe rooms built

Disasters that hit Nacogdoches

9 federal disasters brought FEMA money here

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

Brought FEMA money into NacogdochesDeclared for Nacogdoches County only

2024

Hurricane Beryl

2,189 households applied for aid $1.5M aid approved

2024

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

266 households applied for aid $516K aid approved

2021

Severe Winter Storms

1,481 households applied for aid $460K aid approved $733K to the City of Nacogdoches for repairs

2008

Hurricane Ike

2,132 households applied for aid $659K aid approved $2.1M to the City of Nacogdoches for repairs

2008

Hurricane Gustav

$82K to the City of Nacogdoches for repairs

2005

Hurricane Rita

4,609 households applied for aid $2.2M aid approved $490K to the City of Nacogdoches for repairs

2005

Hurricane Katrina Evacuation

$676K to the City of Nacogdoches for repairs

2001

Tx-Tropical Storm Allison-06-06-2001

$26K to the City of Nacogdoches for repairs

2000

Severe Winter Ice Storm

$17K to the City of Nacogdoches for repairs

Nacogdoches County has had 22 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. Nacogdoches covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Nacogdoches’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Nacogdoches. 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 Nacogdoches total about $11.4M 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.