Natural hazards · Stowell

Stowell, TX natural hazards

Most of the natural-hazard damage FEMA expects in Stowell comes from inland flooding, and overall the risk is high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stowell?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stowell to be higher than in 64% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding27%Hurricanes22%Tornadoes19%Wildfire7%Drought7%Cold waves6%Everything else12%

By hazard

What Stowell faces

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

Inland flooding

27% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Hurricanes

22% of expected damage

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

Recorded about once every 6 years in the area

Tornadoes

19% of expected damage

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

Recorded about once every 9 years in the area

Wildfire

7% of expected damage

Well above average · higher than 96% of U.S. places

Drought

7% of expected damage

Recorded about 19 times a year in the area

Cold waves

6% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightning

Not a risk here

AvalanchesTsunamisVolcanic 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 Stowell flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chambers County.

Disasters that hit Stowell

6 federal disasters brought FEMA money here

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

Brought FEMA money into StowellDeclared for Chambers County only

2024

Hurricane Beryl

48 households applied for aid $164K aid approved

2021

Severe Winter Storms

8 households applied for aid $3K aid approved

2019

Tropical Storm Imelda

67 households applied for aid $251K aid approved

2017

Hurricane Harvey

108 households applied for aid $222K aid approved

2008

Hurricane Ike

236 households applied for aid $726K aid approved

2005

Hurricane Rita

394 households applied for aid $783K aid approved

Chambers County has had 17 natural disasters declared since 1953, most often hurricanes 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. Stowell 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 Stowell’s own flood-insurance community; household aid to the registrant’s city; repair grants to Stowell. 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.