Natural hazards · Tivoli

Tivoli, TX natural hazards

Most of the natural-hazard damage FEMA expects in Tivoli comes from hurricanes, and overall the risk is very high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Tivoli?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tivoli to be higher than in 89% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes40%Inland flooding19%Drought17%Cold waves16%Everything else8%

By hazard

What Tivoli faces

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

Hurricanes

40% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 7 years in the area

Inland flooding

19% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Drought

17% of expected damage

Recorded about 62 times a year in the area

Cold waves

16% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Tivoli flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Refugio County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Tivoli

4 federal disasters brought FEMA money here

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

Brought FEMA money into TivoliDeclared for Refugio County only

2021

Severe Winter Storms

2 households applied for aid

2017

Hurricane Harvey

276 households applied for aid $778K aid approved

2007

Severe Storms, Tornadoes, and Flooding

8 households applied for aid $846 aid approved

2003

Hurricane Claudette

124 households applied for aid $169K aid approved

Refugio County has had 24 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. Tivoli 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 Tivoli’s own flood-insurance community; household aid to the registrant’s city; repair grants to Tivoli. 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.