Natural hazards · Ricardo

Ricardo, TX natural hazards

Most of the natural-hazard damage FEMA expects in Ricardo comes from hurricanes, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Ricardo?

Very high

vs. U.S. communities

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

Hurricanes40%Cold waves33%Inland flooding17%Everything else11%

By hazard

What Ricardo faces

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

Hurricanes

40% of expected damage

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

Recorded about once every 7 years in the area

Cold waves

33% of expected damage

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

Recorded about 2 times a year in the area

Inland flooding

17% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat 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 Ricardo flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kleberg County.

Disasters that hit Ricardo

Federal disasters declared here

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

Brought FEMA money into RicardoDeclared for Kleberg County only

Kleberg County has had 20 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. Ricardo 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 Ricardo’s own flood-insurance community; household aid to the registrant’s city; repair grants to Ricardo. 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.