Natural hazards · Pendleton

Pendleton, TX natural hazards

Most of the natural-hazard damage FEMA expects in Pendleton comes from tornadoes, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pendleton?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pendleton to be higher than in 14% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes34%Inland flooding26%Cold waves12%Hail10%Heat waves6%Everything else12%

By hazard

What Pendleton faces

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

Tornadoes

34% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 53 years in the area

Inland flooding

26% of expected damage

Well below average · higher than 5% of U.S. places

Recorded about 3 times a year in the area

Cold waves

12% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Hail

10% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 4 times a year in the area

Heat waves

6% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 15 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Pendleton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bell County.

Disasters that hit Pendleton

2 federal disasters brought FEMA money here

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

Brought FEMA money into PendletonDeclared for Bell County only

2024

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

1 household applied for aid $1K aid approved

2021

Severe Winter Storms

1 household applied for aid

Bell County has had 18 natural disasters declared since 1953, most often fires and floods.

Around Pendleton

Pendleton and the towns around it

Very lowLowModerateHighVery high

Templemostly tornadoesLow

Troymostly inland floodingVery low

Pendletonmostly tornadoesVery low

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