Natural hazards · Splendora

Splendora, TX natural hazards

Most of the natural-hazard damage FEMA expects in Splendora comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 42 claims here since 1989. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Splendora?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Splendora to be higher than in 61% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes29%Cold waves11%Hurricanes6%Everything else12%

By hazard

What Splendora 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 76% 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

Cold waves

11% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

6% 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 Splendora flood?

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

42paid claims since 1989

$2.1Mpaid to owners

9homes flooded more than once

19892026

Biggest named events

Tropical Storm Imelda: 11 claims, $820K
Hurricane Harvey: 8 claims, $708K
Spring severe storms: 4 claims, $151K

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Splendora 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

14flood-prone properties bought out and cleared

Disasters that hit Splendora

10 federal disasters brought FEMA money here

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

Brought FEMA money into SplendoraDeclared for Montgomery County only

2024

Hurricane Beryl

2,892 households applied for aid $4.0M aid approved

2024

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

462 households applied for aid $2.0M aid approved

2021

Severe Winter Storms

287 households applied for aid $199K aid approved

2019

Tropical Storm Imelda

510 households applied for aid $2.8M aid approved

2017

Hurricane Harvey

1,216 households applied for aid $5.6M aid approved $122K to the City of Splendora for repairs

2016

Severe Storms and Flooding

194 households applied for aid $732K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

5 households applied for aid

2008

Hurricane Ike

1,880 households applied for aid $1.6M aid approved $83K to the City of Splendora for repairs

2005

Hurricane Rita

2,694 households applied for aid $2.2M aid approved $53K to the City of Splendora for repairs

2002

Severe Storms, Tornadoes and Flooding

15 households applied for aid $67K aid approved

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. Splendora 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 Splendora’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Splendora. 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.