Natural hazards · Trinity

Trinity, TX natural hazards

Most of the natural-hazard damage FEMA expects in Trinity comes from cold waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1991. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Trinity?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Trinity to be higher than in 44% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves35%Inland flooding22%Hurricanes20%Tornadoes10%Strong wind6%Everything else7%

By hazard

What Trinity faces

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

Cold waves

35% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Inland flooding

22% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once a year in the area

Hurricanes

20% of expected damage

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

Recorded about once every 10 years in the area

Tornadoes

10% of expected damage

Above average · higher than 71% of U.S. places

Strong wind

6% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Trinity flood?

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

5paid claims since 1991

$162Kpaid to owners

0homes flooded more than once

19912026

Biggest named events

Tropical Storm Allison: 1 claim, $58K

of all homes
are insured

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

Insurance rates: Trinity County.

Disasters that hit Trinity

8 federal disasters brought FEMA money here

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

Brought FEMA money into TrinityDeclared for Trinity County only

2024

Hurricane Beryl

1,191 households applied for aid $993K aid approved

2024

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

911 households applied for aid $3.9M aid approved $90K to the City of Trinity for repairs

2021

Severe Winter Storms

317 households applied for aid $298K aid approved

2016

Severe Storms and Flooding

$6K to the City of Trinity for repairs

2015

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

$15K to the City of Trinity for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

106 households applied for aid $323K aid approved

2008

Hurricane Ike

1,166 households applied for aid $341K aid approved $114K to the City of Trinity for repairs

2005

Hurricane Rita

1,348 households applied for aid $868K aid approved $31K to the City of Trinity for repairs

Trinity County has had 22 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. Trinity covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Trinity’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Trinity. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Trinity total about $2.0M a year, counting buildings, people and crops.

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.