Natural hazards · Pine Harbor

Pine Harbor, TX natural hazards

Most of the natural-hazard damage FEMA expects in Pine Harbor comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Pine Harbor?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Harbor to be higher than in 72% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding32%Strong wind21%Tornadoes18%Heat waves9%Ice storms7%Cold waves5%Everything else8%

By hazard

What Pine Harbor faces

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

Inland flooding

32% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 5 years in the area

Strong wind

21% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

18% of expected damage

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

Recorded about once every 20 years in the area

Heat waves

9% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 20 times a year in the area

Ice storms

7% of expected damage

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

Recorded about once a year in the area

Cold waves

5% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesWinter weatherWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Harbor flood?

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

of all homes
are insured

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

Insurance rates: Marion County.

Disasters that hit Pine Harbor

Federal disasters declared here

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

Brought FEMA money into Pine HarborDeclared for Marion County only

Marion County has had 17 natural disasters declared since 1953, most often hurricanes and fires.

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