Natural hazards · Webster

Webster, TX natural hazards

Most of the natural-hazard damage FEMA expects in Webster comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 426 claims here since 1979. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Webster?

High

vs. U.S. communities

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

Inland flooding41%Hurricanes33%Tornadoes15%Everything else11%

By hazard

What Webster faces

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

Inland flooding

41% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

33% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

15% of expected damage

Above average · higher than 61% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Webster flood?

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

426paid claims since 1979

$12.1Mpaid to owners

24homes flooded more than once

19792026

Biggest named events

Hurricane Harvey: 107 claims, $6.5M
Hurricane Chantel: 66 claims, $576K
Tropical Storm Claudette: 66 claims, $876K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Harris County.

What’s been done with FEMA grants

1homes raised above flood level

Disasters that hit Webster

11 federal disasters brought FEMA money here

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

Brought FEMA money into WebsterDeclared for Harris County only

2024

Hurricane Beryl

2,859 households applied for aid $1.7M aid approved $187K to the City of Webster for repairs

2024

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

161 households applied for aid $62K aid approved

2021

Severe Winter Storms

539 households applied for aid $107K aid approved

2020

Tropical Storms Marco and Laura

$117K to the City of Webster for repairs

2019

Tropical Storm Imelda

9 households applied for aid

2017

Hurricane Harvey

3,176 households applied for aid $3.1M aid approved $448K to the City of Webster for repairs

2016

Severe Storms and Flooding

2 households applied for aid

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

220 households applied for aid $476K aid approved

2008

Hurricane Ike

2,827 households applied for aid $313K aid approved $666K to the City of Webster for repairs

2005

Hurricane Rita

1,276 households applied for aid $336K aid approved $153K to the City of Webster for repairs

2001

Tx-Tropical Storm Allison-06-06-2001

$12K to the City of Webster for repairs

Harris County has had 34 natural disasters declared since 1953, most often floods and hurricanes.

Around Webster

Webster and the towns around it

Very lowLowModerateHighVery high

Houstonmostly inland floodingVery high

Friendswoodmostly inland floodingHigh

League Citymostly inland floodingHigh

Nassau Baymostly inland floodingHigh

Webstermostly inland floodingHigh

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. Webster covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Webster’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Webster. 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 Webster total about $5.3M 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.