Natural hazards · Three Rivers

Three Rivers, TX natural hazards

Most of the natural-hazard damage FEMA expects in Three Rivers comes from cold waves, 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 Three Rivers?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Three Rivers to be higher than in 52% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves38%Inland flooding24%Hurricanes16%Tornadoes9%Everything else13%

By hazard

What Three Rivers faces

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

Cold waves

38% of expected damage

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

Recorded about 3 times a year in the area

Inland flooding

24% of expected damage

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

Recorded about 2 times a year in the area

Hurricanes

16% of expected damage

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

Recorded about once every 12 years in the area

Tornadoes

9% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 6 years in the area

Lower here

HailIce 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 Three Rivers flood?

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

of all homes
are insured

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

Insurance rates: Live Oak County.

Disasters that hit Three Rivers

2 federal disasters brought FEMA money here

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

Brought FEMA money into Three RiversDeclared for Live Oak County only

2003

Hurricane Claudette

148 households applied for aid $210K aid approved $39K to the City of Three Rivers for repairs

2002

Severe Storms and Flooding

$24K to the City of Three Rivers for repairs

Live Oak County has had 19 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. Three Rivers 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 Three Rivers’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Three Rivers. 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.