Natural hazards · Seven Oaks

Seven Oaks, TX natural hazards

Most of the natural-hazard damage FEMA expects in Seven Oaks comes from inland flooding, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Seven Oaks?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Seven Oaks to be higher than in 62% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding28%Hurricanes27%Tornadoes16%Cold waves13%Strong wind7%Everything else9%

By hazard

What Seven Oaks faces

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

Inland flooding

28% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once a year in the area

Hurricanes

27% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 9 years in the area

Tornadoes

16% of expected damage

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

Recorded about once every 11 years in the area

Cold waves

13% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 2 years in the area

Strong wind

7% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 2 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Seven Oaks flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Polk County.

Disasters that hit Seven Oaks

5 federal disasters brought FEMA money here

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

Brought FEMA money into Seven OaksDeclared for Polk County only

2024

Hurricane Beryl

6 households applied for aid $3K aid approved

2024

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

2 households applied for aid $6K aid approved

2017

Hurricane Harvey

4 households applied for aid

2008

Hurricane Ike

1 household applied for aid

2005

Hurricane Rita

5 households applied for aid $799 aid approved $250 to the City of Seven Oaks for repairs

Polk County has had 24 natural disasters declared since 1953, most often floods 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. Seven Oaks 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 Seven Oaks’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Seven Oaks. 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.