Natural hazards · Uncertain

Uncertain, TX natural hazards

Most of the natural-hazard damage FEMA expects in Uncertain comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 36 claims here since 1987. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Uncertain?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Uncertain to be higher than in 81% of U.S. communities, mostly from inland flooding and drought.

Inland flooding44%Drought23%Tornadoes11%Cold waves7%Everything else15%

By hazard

What Uncertain faces

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

Inland flooding

44% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Drought

23% of expected damage

Recorded about 25 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 13 years in the area

Cold waves

7% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Uncertain flood?

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

36paid claims since 1987

$940Kpaid to owners

7homes flooded more than once

19872026

Biggest named events

Late winter severe storms: 7 claims, $441K
Spring severe storms: 1 claim, $10K
Tropical Storm Allison: 1 claim, $3K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Harrison County.

Disasters that hit Uncertain

1 federal disaster brought FEMA money here

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

Brought FEMA money into UncertainDeclared for Harrison County only

2016

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $28K aid approved

Harrison County has had 21 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. Uncertain 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 Uncertain’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Uncertain. 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.