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Natural hazards · Whitehouse

Whitehouse, TX natural hazards

Most of the natural-hazard damage FEMA expects in Whitehouse comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 7 claims here since 2016. 7 federal disasters brought FEMA money into town.

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

How exposed is Whitehouse?

9
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whitehouse to be higher than in 9% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves18%Heat waves16%Everything else17%
By hazard

What Whitehouse faces

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

Inland flooding

49% of expected damage
Below average · higher than 28% of U.S. places
Recorded about 2 times a year in the area

Cold waves

18% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once a year in the area

Heat waves

16% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about 19 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Whitehouse flood?

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

7paid claims since 2016
$143Kpaid to owners
2homes flooded more than once
20162026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Whitehouse isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Smith County.
Disasters that hit Whitehouse

7 federal disasters brought FEMA money here

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

Brought FEMA money into WhitehouseDeclared for Smith County only
2024

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

264 households applied for aid $446K aid approved
2021

Severe Winter Storms

121 households applied for aid $29K aid approved
2016

Severe Storms and Flooding

91 households applied for aid $268K aid approved $65K to the City of Whitehouse for repairs
2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

3 households applied for aid
2008

Hurricane Ike

14 households applied for aid $7K aid approved
2007

Severe Storms, Tornadoes, and Flooding

27 households applied for aid $43K aid approved
2005

Hurricane Rita

$11K to the City of Whitehouse for repairs