Natural hazards · Orchard

Orchard, TX natural hazards

Most of the natural-hazard damage FEMA expects in Orchard comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 2017. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Orchard?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Orchard to be higher than in 62% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding45%Hurricanes21%Drought16%Tornadoes9%Everything else9%

By hazard

What Orchard faces

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

Inland flooding

45% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

21% of expected damage

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

Recorded about once every 6 years in the area

Drought

16% of expected damage

Recorded about 30 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 10 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Orchard flood?

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

4paid claims since 2017

$213Kpaid to owners

1homes flooded more than once

20172026

Biggest named events

Hurricane Harvey: 2 claims, $115K

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

Insurance rates: Fort Bend County.

Disasters that hit Orchard

4 federal disasters brought FEMA money here

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

Brought FEMA money into OrchardDeclared for Fort Bend County only

2024

Hurricane Beryl

77 households applied for aid $59K aid approved

2021

Severe Winter Storms

8 households applied for aid $5K aid approved

2017

Hurricane Harvey

19 households applied for aid $18K aid approved

2008

Hurricane Ike

6 households applied for aid $1K aid approved

Fort Bend 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. Orchard 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 Orchard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Orchard. 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.