Natural hazards · Shoreacres

Shoreacres, TX natural hazards

Most of the natural-hazard damage FEMA expects in Shoreacres comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 917 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Shoreacres?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shoreacres to be higher than in 72% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding49%Hurricanes20%Tornadoes17%Cold waves6%Everything else7%

By hazard

What Shoreacres faces

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

Inland flooding

49% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

20% of expected damage

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

Recorded about once every 5 years in the area

Tornadoes

17% of expected damage

Above average · higher than 61% of U.S. places

Cold waves

6% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Shoreacres flood?

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

917paid claims since 1978

$58.0Mpaid to owners

108homes flooded more than once

19782026

Biggest named events

Hurricane Ike: 443 claims, $45.5M
Hurricane Alicia: 164 claims, $3.8M
Tropical Storm Claudette: 116 claims, $2.1M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (36) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Shoreacres is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Harris County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Shoreacres

7 federal disasters brought FEMA money here

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

Brought FEMA money into ShoreacresDeclared for Harris County only

2024

Hurricane Beryl

122 households applied for aid $84K aid approved

2024

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

3 households applied for aid

2021

Severe Winter Storms

5 households applied for aid

2017

Hurricane Harvey

74 households applied for aid $135K aid approved

2016

Severe Storms and Flooding

1 household applied for aid

2008

Hurricane Ike

406 households applied for aid $1.4M aid approved $2.2M to the City of Shoreacres for repairs

2005

Hurricane Rita

54 households applied for aid $6K aid approved $21K to the City of Shoreacres for repairs

Harris County has had 34 natural disasters declared since 1953, most often floods and hurricanes.

Around Shoreacres

Shoreacres and the towns around it

Very lowLowModerateHighVery high

La Portemostly inland floodingHigh

Shoreacresmostly inland floodingHigh

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. Shoreacres covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Shoreacres’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Shoreacres. 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 Shoreacres total about $1.2M 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.