Natural hazards · Stagecoach

Stagecoach, TX natural hazards

Most of the natural-hazard damage FEMA expects in Stagecoach comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 22 claims here since 1998. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stagecoach?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stagecoach to be higher than in 49% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes26%Cold waves10%Hurricanes7%Everything else11%

By hazard

What Stagecoach faces

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

Inland flooding

47% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

26% of expected damage

Well above average · higher than 81% of U.S. places

Cold waves

10% of expected damage

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

Recorded about once every 2 years in the area

Hurricanes

7% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 8 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 Stagecoach flood?

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

22paid claims since 1998

$1.2Mpaid to owners

6homes flooded more than once

19982026

Biggest named events

Early summer severe storms: 9 claims, $750K
Hurricane Harvey: 4 claims, $300K
Tropical Storm Allison: 2 claims, $24K

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. Stagecoach 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.

Disasters that hit Stagecoach

7 federal disasters brought FEMA money here

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

Brought FEMA money into StagecoachDeclared for Montgomery County only

2024

Hurricane Beryl

20 households applied for aid $9K aid approved

2024

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

4 households applied for aid

2021

Severe Winter Storms

3 households applied for aid

2017

Hurricane Harvey

11 households applied for aid $19K aid approved $160K to the Town of Stagecoach for repairs

2016

Severe Storms and Flooding

6 households applied for aid $21K aid approved $74K to the Town of Stagecoach for repairs

2008

Hurricane Ike

$11K to the Town of Stagecoach for repairs

2001

Tx-Tropical Storm Allison-06-06-2001

$7K to the Town of Stagecoach for repairs

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