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Natural hazards · Roman Forest

Roman Forest, TX natural hazards

Most of the natural-hazard damage FEMA expects in Roman Forest comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 78 claims here since 1989. 8 federal disasters brought FEMA money into town.

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

How exposed is Roman Forest?

69
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roman Forest to be higher than in 69% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes29%Cold waves12%Hurricanes5%Everything else12%
By hazard

What Roman Forest faces

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

Inland flooding

42% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

29% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 80 years in the area

Cold waves

12% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about once every 2 years in the area

Hurricanes

5% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 7 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Roman Forest flood?

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

78paid claims since 1989
$4.0Mpaid to owners
18homes flooded more than once
19892026

Biggest named events

  • Tropical Storm Imelda: 26 claims, $2.1M
  • Spring severe storms: 10 claims, $383K
  • Hurricane Harvey: 6 claims, $794K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Roman Forest isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared
Disasters that hit Roman Forest

8 federal disasters brought FEMA money here

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

Brought FEMA money into Roman ForestDeclared for Montgomery County only
2024

Hurricane Beryl

109 households applied for aid $64K aid approved $85K to the City of Roman Forest for repairs
2024

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

13 households applied for aid $14K aid approved $342K to the City of Roman Forest for repairs
2021

Severe Winter Storms

1 household applied for aid $4K aid approved $23K to the City of Roman Forest for repairs
2019

Tropical Storm Imelda

2 households applied for aid $3K aid approved
2017

Hurricane Harvey

6 households applied for aid $32K aid approved $638K to the City of Roman Forest for repairs
2016

Severe Storms and Flooding

1 household applied for aid $1.2M to the City of Roman Forest for repairs
2008

Hurricane Ike

4 households applied for aid $170 aid approved $26K to the City of Roman Forest for repairs
2005

Hurricane Rita

$14K to the City of Roman Forest for repairs
Montgomery County has had 31 natural disasters declared since 1953, most often fires 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. Roman Forest 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 Roman Forest’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Roman Forest. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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