Natural hazards · Ranchette Estates

Ranchette Estates, TX natural hazards

Most of the natural-hazard damage FEMA expects in Ranchette Estates comes from cold waves, and overall the risk is very high for a U.S. community. Flood insurance has paid 89 claims here since 1979.

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

Expected damage

How exposed is Ranchette Estates?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ranchette Estates to be higher than in 86% of U.S. communities, mostly from cold waves and hurricanes.

Cold waves57%Hurricanes27%Inland flooding10%Everything else7%

By hazard

What Ranchette Estates faces

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

Cold waves

57% of expected damage

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

Recorded about 3 times a year in the area

Hurricanes

27% of expected damage

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

Recorded about once every 7 years in the area

Inland flooding

10% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce 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 Ranchette Estates flood?

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

89paid claims since 1979

$895Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Dolly: 10 claims, $90K
Hurricane Hanna: 5 claims, $213K
Hurricane Allen: 4 claims, $6K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Willacy County.

Disasters that hit Ranchette Estates

Federal disasters declared here

None of the disasters declared for Willacy County shows FEMA aid or repair money reaching Ranchette Estates itself in FEMA’s records.

Brought FEMA money into Ranchette EstatesDeclared for Willacy County only

Willacy County has had 25 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. Ranchette Estates covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ranchette Estates’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Ranchette Estates. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Ranchette Estates total about $4.3M a year, counting buildings, people and crops.

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.