Natural hazards · Smiley

Smiley, TX natural hazards

Most of the natural-hazard damage FEMA expects in Smiley comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Smiley?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Smiley to be higher than in 46% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding59%Hurricanes18%Tornadoes6%Hail5%Everything else13%

By hazard

What Smiley faces

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

Inland flooding

59% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

18% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 12 years in the area

Tornadoes

6% of expected damage

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

Recorded about once every 6 years in the area

Hail

5% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 2 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat 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 Smiley flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gonzales County.

Disasters that hit Smiley

2 federal disasters brought FEMA money here

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

Brought FEMA money into SmileyDeclared for Gonzales County only

2021

Severe Winter Storms

6 households applied for aid $9K aid approved

2017

Hurricane Harvey

65 households applied for aid $14K aid approved $10K to the City of Smiley for repairs

Gonzales County has had 18 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. Smiley 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 Smiley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Smiley. 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.