Natural hazards · Old River-Winfree

Old River-Winfree, TX natural hazards

Most of the natural-hazard damage FEMA expects in Old River-Winfree comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 2008. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Old River-Winfree?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Old River-Winfree 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 Old River-Winfree 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 Old River-Winfree flood?

Every paid claim on a federal flood insurance policy in Old River-Winfree, from FEMA’s records.

7paid claims since 2008

$322Kpaid to owners

1homes flooded more than once

20082026

Biggest named events

Hurricane Ike: 2 claims, $63K
Hurricane Harvey: 2 claims, $193K
Tropical Storm Imelda: 2 claims, $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

🏷️ 10% off flood insurance. Old River-Winfree is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Chambers County.

Disasters that hit Old River-Winfree

6 federal disasters brought FEMA money here

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

Brought FEMA money into Old River-WinfreeDeclared for Chambers County only

2024

Hurricane Beryl

129 households applied for aid $178K aid approved

2021

Severe Winter Storms

11 households applied for aid $2K aid approved

2019

Tropical Storm Imelda

4 households applied for aid $2K aid approved

2017

Hurricane Harvey

58 households applied for aid $111K aid approved

2008

Hurricane Ike

333 households applied for aid $471K aid approved

2005

Hurricane Rita

2 households applied for aid $219 aid approved $11K to the City of Old River-Winfree for repairs

Chambers County has had 17 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. Old River-Winfree 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 Old River-Winfree’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Old River-Winfree. 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.