Natural hazards · Pine Forest

Pine Forest, TX natural hazards

Most of the natural-hazard damage FEMA expects in Pine Forest comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 42 claims here since 1987. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pine Forest?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Forest to be higher than in 87% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding42%Hurricanes29%Tornadoes14%Everything else15%

By hazard

What Pine Forest faces

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

Inland flooding

42% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

29% of expected damage

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

Recorded about once every 7 years in the area

Tornadoes

14% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 36 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat 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 Pine Forest flood?

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

42paid claims since 1987

$3.5Mpaid to owners

5homes flooded more than once

19872026

Biggest named events

Hurricane Harvey: 16 claims, $2.6M
Tropical Storm Imelda: 13 claims, $815K
Hurricane Rita: 2 claims, $75K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Orange County.

Disasters that hit Pine Forest

3 federal disasters brought FEMA money here

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

Brought FEMA money into Pine ForestDeclared for Orange County only

2017

Hurricane Harvey

4 households applied for aid $18K aid approved $284K to the City of Pine Forest for repairs

2008

Hurricane Ike

$5K to the City of Pine Forest for repairs

2005

Hurricane Rita

$1K to the City of Pine Forest for repairs

Orange County has had 24 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. Pine Forest 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 Pine Forest’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pine Forest. 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.