Natural hazards · Woodloch

Woodloch, TX natural hazards

Most of the natural-hazard damage FEMA expects in Woodloch comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 129 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Woodloch?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Woodloch to be higher than in 74% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes25%Cold waves9%Hurricanes5%Everything else9%

By hazard

What Woodloch faces

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

Inland flooding

51% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

25% of expected damage

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

Cold waves

9% of expected damage

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

Recorded about once every 2 years in the area

Hurricanes

5% of expected damage

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

Recorded about once every 7 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Woodloch flood?

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

129paid claims since 1978

$9.8Mpaid to owners

17homes flooded more than once

19782026

Biggest named events

Hurricane Harvey: 49 claims, $6.8M
Texas Spring Flooding: 8 claims, $627K
Hurricane Ike: 5 claims, $125K

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. Woodloch isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Montgomery County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit Woodloch

7 federal disasters brought FEMA money here

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

Brought FEMA money into WoodlochDeclared for Montgomery County only

2024

Hurricane Beryl

1 household applied for aid $7K to the Town of Woodloch for repairs

2024

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

$4K to the Town of Woodloch for repairs

2017

Hurricane Harvey

2 households applied for aid $2K aid approved $7K to the Town of Woodloch for repairs

2016

Severe Storms and Flooding

$18K to the Town of Woodloch for repairs

2008

Hurricane Ike

$62K to the Town of Woodloch for repairs

2001

Tx-Tropical Storm Allison-06-06-2001

$1K to the Town of Woodloch for repairs

1998

Tx-Flooding 10/18/98

$21K to the Town of Woodloch for repairs

Montgomery County has had 31 natural disasters declared since 1953, most often fires and hurricanes.

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. Woodloch 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 Woodloch’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Woodloch. 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.