Natural hazards · Pine Island

Pine Island, TX natural hazards

Most of the natural-hazard damage FEMA expects in Pine Island comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pine Island?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Island to be higher than in 29% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes27%Cold waves10%Hurricanes9%Everything else14%

By hazard

What Pine Island faces

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

Inland flooding

41% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once a year in the area

Tornadoes

27% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 23 years in the area

Cold waves

10% of expected damage

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

Recorded about once every 2 years in the area

Hurricanes

9% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 8 years in the area

Lower here

HailIce 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 Pine Island flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Waller County.

Disasters that hit Pine Island

3 federal disasters brought FEMA money here

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

Brought FEMA money into Pine IslandDeclared for Waller County only

2024

Hurricane Beryl

3 households applied for aid $2K aid approved

2024

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

2 households applied for aid $2K aid approved

2017

Hurricane Harvey

1 household applied for aid $500 aid approved

Waller County has had 23 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 Island 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 Island’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Pine Island. 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.