Natural hazards · Roma

Roma, TX natural hazards

Most of the natural-hazard damage FEMA expects in Roma comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 10 claims here since 2007. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Roma?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roma to be higher than in 38% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves66%Inland flooding26%Everything else8%

By hazard

What Roma faces

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

Cold waves

66% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 3 times a year in the area

Inland flooding

26% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Roma flood?

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

10paid claims since 2007

$271Kpaid to owners

2homes flooded more than once

20072026

Biggest named events

Thunderstorms: 1 claim, $15K

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. Roma isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Starr County.

Disasters that hit Roma

5 federal disasters brought FEMA money here

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

Brought FEMA money into RomaDeclared for Starr County only

2025

Severe Storms and Flooding

155 households applied for aid $595K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

$7K to the City of Roma for repairs

2010

Hurricane Alex

61 households applied for aid $446K aid approved $43K to the City of Roma for repairs

2008

Hurricane Dolly

$29K to the City of Roma for repairs

2007

Severe Storms, Tornadoes, and Flooding

271 households applied for aid $297K aid approved $113K to the City of Roma for repairs

Starr County has had 19 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Roma

Roma and the towns around it

Very lowLowModerateHighVery high

Moraidamostly cold wavesModerate

Escobaresmostly cold wavesModerate

Penamostly cold wavesModerate

Ramosmostly cold wavesLow

Evergreenmostly cold wavesLow

Romamostly cold wavesLow

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. Roma covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Roma’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Roma. 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 Roma total about $3.1M 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.