Natural hazards · Pena

Pena, TX natural hazards

Most of the natural-hazard damage FEMA expects in Pena comes from cold waves, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Pena?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pena to be higher than in 50% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves69%Inland flooding23%Everything else8%

By hazard

What Pena faces

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

Cold waves

69% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 3 times a year in the area

Inland flooding

23% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Pena flood?

FEMA's records show no paid flood insurance claims in Pena.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Starr County.

Disasters that hit Pena

Federal disasters declared here

None of the disasters declared for Starr County shows FEMA aid or repair money reaching Pena itself in FEMA’s records.

Brought FEMA money into PenaDeclared for Starr County only

Starr County has had 19 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Pena

Pena and the towns around it

Very lowLowModerateHighVery high

Penamostly cold wavesModerate

Romamostly cold wavesLow

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. Pena 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 Pena’s own flood-insurance community; household aid to the registrant’s city; repair grants to Pena. 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.