Natural hazards · Star Harbor

Star Harbor, TX natural hazards

Most of the natural-hazard damage FEMA expects in Star Harbor comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Star Harbor?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Star Harbor to be higher than in 34% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding35%Cold waves31%Tornadoes16%Everything else18%

By hazard

What Star Harbor faces

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

Inland flooding

35% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once a year in the area

Cold waves

31% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

16% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 18 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Star Harbor flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henderson County.

Disasters that hit Star Harbor

Federal disasters declared here

None of the disasters declared for Henderson County shows FEMA aid or repair money reaching Star Harbor itself in FEMA’s records.

Brought FEMA money into Star HarborDeclared for Henderson County only

Henderson County has had 20 natural disasters declared since 1953, most often severe storms and floods.

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