Natural hazards · Plum Grove

Plum Grove, TX natural hazards

Most of the natural-hazard damage FEMA expects in Plum Grove comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 44 claims here since 1989. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Plum Grove?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Plum Grove to be higher than in 78% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding32%Tornadoes31%Cold waves11%Hurricanes10%Lightning7%Heat waves6%Everything else3%

By hazard

What Plum Grove 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

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

Recorded about 2 times a year in the area

Tornadoes

31% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 21 years in the area

Cold waves

11% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

10% of expected damage

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

Recorded about once every 7 years in the area

Lightning

7% of expected damage

Above average · higher than 62% of U.S. places

Heat waves

6% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 14 times a year in the area

Lower here

HailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong wind

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 Plum Grove flood?

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

44paid claims since 1989

$4.1Mpaid to owners

7homes flooded more than once

19892026

Biggest named events

Hurricane Harvey: 15 claims, $2.5M
Texas Spring Flooding: 11 claims, $1.3M
Tropical Storm Imelda: 6 claims, $200K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Liberty County.

Disasters that hit Plum Grove

6 federal disasters brought FEMA money here

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

Brought FEMA money into Plum GroveDeclared for Liberty County only

2024

Hurricane Beryl

3 households applied for aid $4K aid approved

2024

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

3 households applied for aid $26K aid approved $26K to the City of Plum Grove for repairs

2017

Hurricane Harvey

1 household applied for aid $813K to the City of Plum Grove for repairs

2016

Severe Storms and Flooding

1 household applied for aid

2008

Hurricane Ike

$3K to the City of Plum Grove for repairs

2005

Hurricane Rita

3 households applied for aid $6K aid approved

Liberty County has had 31 natural disasters declared since 1953, most often floods and hurricanes.

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. Plum Grove 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 Plum Grove’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Plum Grove. 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.