Natural hazards · San Carlos

San Carlos, TX natural hazards

Most of the natural-hazard damage FEMA expects in San Carlos comes from cold waves, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is San Carlos?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in San Carlos to be higher than in 75% of U.S. communities, mostly from cold waves and hurricanes.

Cold waves32%Hurricanes30%Inland flooding26%Everything else12%

By hazard

What San Carlos faces

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

Cold waves

32% of expected damage

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

Recorded about 3 times a year in the area

Hurricanes

30% of expected damage

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

Recorded about once every 8 years in the area

Inland flooding

26% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 2 times 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 San Carlos flood?

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

of all homes
are insured

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

Insurance rates: Hidalgo County.

Disasters that hit San Carlos

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in San Carlos itself: aid to households, or repair grants to San Carlos.

Brought FEMA money into San CarlosDeclared for Hidalgo County only

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid

2008

Hurricane Dolly

9 households applied for aid $25K aid approved

2002

Severe Storms, Tornadoes and Flooding

6 households applied for aid $28K aid approved

Hidalgo County has had 27 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. San Carlos 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 San Carlos’s own flood-insurance community; household aid to the registrant’s city; repair grants to San Carlos. 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.