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Natural hazard risk in Fort Bend County, Texas

Updated October 30, 2026. Based on FEMA, NOAA and OpenFEMA data. Published by Humblebee.

FEMA overall Risk Index rating: Relatively High (score 97.4 of 100)[5]

Expected annual loss (FEMA)
$346.2 million[1]
Federal disaster declarations since 1983
26[2]
NFIP flood claims paid, 1978 to 2026
$451.0 million[3]
Tornadoes recorded, 1950 to 2024
62[4]

FEMA's National Risk Index rates overall natural hazard risk in Fort Bend County as Relatively High compared with other US counties[5]. The hazards with the highest FEMA scores within the county are lightning, tornado and heat wave[6].

FEMA risk ratings for each hazard

Ratings and expected losses from the FEMA National Risk Index. Each rating compares this county with all US counties for that hazard, from Very Low to Very High. They are planning estimates, not predictions, and they do not describe any single property.

FEMA's National Risk Index (version 1.20, December 2025) estimates Expected Annual Loss from all 18 natural hazards in Fort Bend County at $346.2 million a year[1]. This is a FEMA estimate of average yearly loss, not money anyone paid[7]. The largest hazard-type values are inland flooding ($168.8 million a year), hurricane ($70.7 million a year) and tornado ($59.4 million a year)[8]. FEMA rates Social Vulnerability as Very Low, with a score of 16.9[9]. FEMA rates Community Resilience as Relatively High, with a score of 70.1[10]. Social vulnerability is how susceptible social groups are to harm from natural hazards, and community resilience is a community's ability to prepare for, withstand and recover from them[9][10].

Hazards sorted by FEMA hazard-type Risk Index score, highest first
HazardFEMA risk ratingExpected annual loss
LightningVery High$6.7 million[11]
TornadoVery High$59.4 million[12]
Heat WaveRelatively High$17.1 million[13]
Inland FloodingRelatively High$168.8 million[14]
HurricaneRelatively High$70.7 million[15]
Cold WaveRelatively High$15.1 million[16]
Strong WindRelatively High$3.3 million[17]
Ice StormRelatively High$1.6 million[18]
DroughtRelatively Moderate$1.5 million[19]
WildfireRelatively Low$502,000[20]
HailRelatively Moderate$811,000[21]
EarthquakeRelatively Low$618,000[22]
LandslideVery Low$2,104[23]
Winter WeatherRelatively Low$71,000[24]
Coastal FloodingVery Low$224[25]

Rated Not Applicable by FEMA for this county: avalanche, tsunami, volcanic activity[26].

Social vulnerability and community resilience

FEMA uses these two ratings to scale expected losses into the Risk Index.

FEMA measureRatingScore
Social vulnerabilityVery Low16.9[9]
Community resilienceRelatively High70.1[10]

Flooding and flood insurance

FEMA rates inland flooding risk in Fort Bend County as Relatively High compared with other US counties, with an Expected Annual Loss of $168.8 million a year[14]. FEMA rates coastal flooding as Very Low[25]. OpenFEMA lists 6,535 residential structures inside the mapped Special Flood Hazard Area, and 2,739 NFIP flood insurance contracts were in force there, a rate of 41.9%[27]. OpenFEMA NFIP claims data show 7,389 claims filed for losses from 1978 to 2026, and NFIP paid $451.0 million in total[3]. For the flood zone of a single address, use FEMA's Flood Map Service Center[28].

Measure Value
Inland Flooding, FEMA risk rating[14] Relatively High, $168.8 million expected loss a year
Coastal Flooding, FEMA risk rating[25] Very Low, $224 expected loss a year
NFIP residential flood policies in force (2026)[27] 39,537 of 255,919 homes
Homes in FEMA's mapped high-risk flood area (SFHA)[27] 6,535, of which 2,739 insured
NFIP flood claims, 1978 to 2026[3] 7,389 filed, $451.0 million paid

Is a specific address in a flood zone? Only FEMA's flood maps answer that, property by property[28]. This page describes the whole county.

Search an address on the FEMA Flood Map Service Center

Disaster declarations and tornado records

OpenFEMA lists 26 federal disaster declarations for natural hazards that include Fort Bend County since 1983, including 12 for hurricanes and 5 for floods[2]. The most recent is DR-4798-TX, Hurricane Beryl, declared 2024-07-09[29]. NOAA's tornado database records 62 tornadoes that touched the county from 1950 to 2024[4]. The strongest were rated F3, and the most recent recorded tornado was on 2023-01-24[4].

Federal disaster declarations for natural hazards that include Fort Bend County, since 1983
Incident type Declarations
Hurricane[2] 12
Flood[2] 5
Severe Storm[2] 3
Fire[2] 3
Severe Ice Storm[2] 2
Coastal Storm[2] 1
Most recent declarations
Declaration Incident Declared
DR-4798-TX[29] Hurricane Beryl 2024-07-09
DR-4586-TX[29] Severe Winter Storms 2021-02-19
EM-3554-TX[29] Severe Winter Storm 2021-02-14
EM-3540-TX[29] Tropical Storms Marco And Laura 2020-08-24
EM-3530-TX[29] Hurricane Hanna 2020-07-26

How to prepare

Steps from Ready.gov, FEMA's preparedness site, for the hazards with the highest FEMA ratings here. Follow instructions from local officials and the National Weather Service when a warning is issued.

Tornadoes

Before

  • Learn the warning signs: a rotating funnel cloud, an approaching cloud of debris or a loud roar like a freight train.
  • Sign up for community warning systems and learn what your local sirens sound like.
  • Pick a safe spot, such as a safe room built to FEMA criteria or an ICC 500 storm shelter, and practice getting there.
  • Include your pets in the household emergency plan.
  • Keep supplies, food, water and medication in case you have to stay home for a long time.

During

  • Go right away to the safe place you picked in advance.
  • Protect your head and neck with your arms and stay away from windows, doors and outside walls.
  • No place in a car is fully safe. If you can get lower than the road, leave the car and lie down there.

Source: Ready.gov, tornadoes

Extreme heat

Before

  • Learn the signs of heat illness and how to respond.
  • Do not rely on a fan as your main way to stay cool. Fans do not lower body temperature.
  • Find cool public places, such as libraries or malls, or ask your local health department.
  • Keep heat out with window shades, weather stripping and insulation.
  • If you cannot afford cooling costs, contact LIHEAP for help.

During

  • Never leave a person or an animal in a parked car in warm weather.
  • If your home has no air conditioning, go to a cooling center.
  • Wear light, loose clothing, drink plenty of fluids and avoid hard outdoor work in the middle of the day.

Source: Ready.gov, extreme heat

Floods

Before

  • Check your flood risk with FEMA's Flood Map Service Center, and remember that floods do not follow map lines.
  • Sign up for your community's warning system. NOAA Weather Radio also broadcasts alerts.
  • Buy flood insurance through the NFIP well before a disaster. Homeowners policies do not cover flooding, and a new policy typically takes up to 30 days to go into effect.
  • Make a household plan with evacuation routes, shelter locations and what to do in a flash flood.
  • Keep important documents in a waterproof container and make password-protected digital copies.

During

  • If you are told to evacuate, leave right away and never drive around barricades.
  • Do not walk, swim or drive through floodwater. Six inches of moving water can knock you down.
  • If you are trapped in a building, go to the highest level, but do not climb into a closed attic.

Source: Ready.gov, floods

Questions people ask

Is Fort Bend County at risk of flooding?
FEMA rates inland flooding risk in Fort Bend County as Relatively High compared with other US counties[14]. FEMA rates coastal flooding as Very Low[25].
Does Fort Bend County get tornadoes?
NOAA's tornado database records 62 tornadoes touching the county from 1950 to 2024[4]. FEMA rates tornado risk Very High compared with other US counties[12].
How many disasters have been declared in Fort Bend County?
OpenFEMA lists 26 federal disaster declarations for natural hazards that include the county since 1983[2].
Is Fort Bend County at risk of earthquakes or wildfire?
FEMA rates earthquake risk Relatively Low compared with other US counties[22]. FEMA also rates wildfire risk Relatively Low[20].
How do I check the flood zone of an address?
Look up the address in FEMA's Flood Map Service Center or ask the local floodplain manager[28]. County-level ratings do not give the flood zone of one address[28].

Facts and sources

  1. FEMA National Risk Index (version 1.20, December 2025): Expected Annual Loss from all 18 natural hazards in Fort Bend County is $346.2 million a year (Expected Annual Loss rating Relatively High, score 98.1). Of this, buildings account for $241.1 million, injuries and deaths (converted to dollars by FEMA) for... FEMA National Risk Index
  2. OpenFEMA Disaster Declarations Summaries list 26 federal disaster declarations for natural hazards that include Fort Bend County since 1983 (16 major disaster, 10 emergency or fire management). By incident type: hurricane 12, flood 5, severe storm 3, fire 3, severe ice storm 2, coastal storm 1. Biological (such as... OpenFEMA Disaster Declarations
  3. HazardFacts tally of OpenFEMA NFIP Redacted Claims (losses from 1978 to 2026): 7,389 National Flood Insurance Program claims were filed for losses in Fort Bend County, 5,106 of them with a payment, and NFIP paid $451.0 million in total (building, contents and increased cost of compliance, in dollars of the year... OpenFEMA NFIP claims
  4. NOAA Storm Prediction Center tornado database (1950 to 2024): 62 recorded tornadoes touched Fort Bend County. The strongest were rated F3 (most recent of them on 1974-09-13). 2 were rated F3/EF3 or stronger. The most recent recorded tornado was on 2023-01-24. Ratings used the Fujita scale until early 2007 and the... NOAA Storm Prediction Center
  5. FEMA National Risk Index (version 1.20, December 2025): the overall natural hazard Risk Index rating for Fort Bend County is Relatively High, with a Risk Index score of 97.4 out of 100. The score is the county's percentile rank among all US counties. FEMA National Risk Index
  6. Among the 18 hazards in the FEMA National Risk Index (version 1.20, December 2025), the hazards with the highest hazard-type Risk Index scores for Fort Bend County are lightning (99.3, Very High), tornado (99.2, Very High), heat wave (97.8, Relatively High). HazardFacts sorted FEMA's published scores; FEMA's scores... FEMA National Risk Index
  7. FEMA's National Risk Index FAQ (December 2025): Expected Annual Loss is FEMA's estimate of the average economic loss in dollars from natural hazards each year. The index is not meant to predict how much damage a community will have in the next year, and a hazard can still cause damage where a rating is low. Scores... FEMA National Risk Index documentation
  8. HazardFacts sorted FEMA's hazard-type Expected Annual Loss values for Fort Bend County (National Risk Index v1.20): the largest are inland flooding ($168.8 million a year), hurricane ($70.7 million a year), tornado ($59.4 million a year), out of $346.2 million a year from all 18 hazards. FEMA National Risk Index
  9. FEMA National Risk Index (version 1.20, December 2025): Social Vulnerability rating for Fort Bend County is Very Low (score 16.9). FEMA describes social vulnerability as how susceptible social groups are to the harm natural hazards cause. FEMA National Risk Index
  10. FEMA National Risk Index (version 1.20, December 2025): Community Resilience rating for Fort Bend County is Relatively High (score 70.1). FEMA describes community resilience as a community's ability to prepare for, withstand and recover from hazards. FEMA National Risk Index
  11. FEMA National Risk Index (version 1.20, December 2025), lightning in Fort Bend County: Risk Index rating Very High (score 99.3 of 100). Expected Annual Loss $6.7 million a year (rating Very High). Annualized frequency 74.29 events per year, from recorded occurrences over a period of record of 24 years. FEMA National Risk Index
  12. FEMA National Risk Index (version 1.20, December 2025), tornado in Fort Bend County: Risk Index rating Very High (score 99.2 of 100). Expected Annual Loss $59.4 million a year (rating Very High). Annualized frequency 0.77 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  13. FEMA National Risk Index (version 1.20, December 2025), heat wave in Fort Bend County: Risk Index rating Relatively High (score 97.8 of 100). Expected Annual Loss $17.1 million a year (rating Relatively High). Annualized frequency 14.32 event-days per year, from recorded occurrences over a period of record of 18... FEMA National Risk Index
  14. FEMA National Risk Index (version 1.20, December 2025), inland flooding in Fort Bend County: Risk Index rating Relatively High (score 97.6 of 100). Expected Annual Loss $168.8 million a year (rating Relatively High). Annualized frequency 1.68 event-days per year, from recorded occurrences over a period of record of... FEMA National Risk Index
  15. FEMA National Risk Index (version 1.20, December 2025), hurricane in Fort Bend County: Risk Index rating Relatively High (score 97.5 of 100). Expected Annual Loss $70.7 million a year (rating Very High). Annualized frequency 0.18 events per year, from recorded occurrences over a period of record of 172 years for... FEMA National Risk Index
  16. FEMA National Risk Index (version 1.20, December 2025), cold wave in Fort Bend County: Risk Index rating Relatively High (score 95.4 of 100). Expected Annual Loss $15.1 million a year (rating Relatively High). Annualized frequency 0.47 event-days per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  17. FEMA National Risk Index (version 1.20, December 2025), strong wind in Fort Bend County: Risk Index rating Relatively High (score 94.1 of 100). Expected Annual Loss $3.3 million a year (rating Relatively High). Annualized frequency 1.36 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  18. FEMA National Risk Index (version 1.20, December 2025), ice storm in Fort Bend County: Risk Index rating Relatively High (score 93.3 of 100). Expected Annual Loss $1.6 million a year (rating Relatively High). Annualized frequency 0.83 event-days per year, from recorded occurrences over a period of record of 68 years. FEMA National Risk Index
  19. FEMA National Risk Index (version 1.20, December 2025), drought in Fort Bend County: Risk Index rating Relatively Moderate (score 84.5 of 100). Expected Annual Loss $1.5 million a year (rating Relatively Moderate). Annualized frequency 26.2 event-days per year, from recorded occurrences over a period of record of... FEMA National Risk Index
  20. FEMA National Risk Index (version 1.20, December 2025), wildfire in Fort Bend County: Risk Index rating Relatively Low (score 80.0 of 100). Expected Annual Loss $502,000 a year (rating Relatively Low). FEMA's modeled annual frequency is 0.0016 events per year. FEMA National Risk Index
  21. FEMA National Risk Index (version 1.20, December 2025), hail in Fort Bend County: Risk Index rating Relatively Moderate (score 73.8 of 100). Expected Annual Loss $811,000 a year (rating Relatively Moderate). Annualized frequency 2.11 events per year, from recorded occurrences over a period of record of 37 years. FEMA National Risk Index
  22. FEMA National Risk Index (version 1.20, December 2025), earthquake in Fort Bend County: Risk Index rating Relatively Low (score 61.7 of 100). Expected Annual Loss $618,000 a year (rating Relatively Low). FEMA's modeled annual frequency is 0.0005 events per year. FEMA National Risk Index
  23. FEMA National Risk Index (version 1.20, December 2025), landslide in Fort Bend County: Risk Index rating Very Low (score 53.6 of 100). Expected Annual Loss $2,104 a year (rating Very Low). FEMA National Risk Index
  24. FEMA National Risk Index (version 1.20, December 2025), winter weather in Fort Bend County: Risk Index rating Relatively Low (score 46.8 of 100). Expected Annual Loss $71,000 a year (rating Relatively Low). Annualized frequency 1.11 events per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  25. FEMA National Risk Index (version 1.20, December 2025), coastal flooding in Fort Bend County: Risk Index rating Very Low (score 19.2 of 100). Expected Annual Loss $224 a year (rating Very Low). FEMA's modeled annual frequency is 0.012 events per year. FEMA National Risk Index
  26. FEMA National Risk Index (version 1.20, December 2025) rates these hazards Not Applicable for Fort Bend County: avalanche, tsunami, volcanic activity. FEMA uses Not Applicable when its source data has no historical record of the hazard in the community and the hazard is not considered geographically possible there. FEMA National Risk Index documentation
  27. NFIP Residential Penetration Rates (OpenFEMA, as of 2026-08-03): 39,537 residential flood insurance contracts were in force in Fort Bend County, out of 255,919 residential structures, a penetration rate of 15.4%. Inside FEMA's mapped Special Flood Hazard Area there were 6,535 residential structures and 2,739... OpenFEMA NFIP penetration rates
  28. FEMA's Flood Map Service Center is the official public source for flood maps (Flood Insurance Rate Maps) produced under the National Flood Insurance Program. Flood zones apply to specific properties: look up an address there or ask the local floodplain manager. County-level ratings do not tell you the flood zone of... FEMA Flood Map Service Center
  29. Most recent federal disaster declarations for natural hazards (table on this page). OpenFEMA Disaster Declarations

FEMA's National Risk Index compares each county with all other US counties. Ratings are relative (Very Low to Very High), not a measure of safety. Never call a place safe, unsafe, good or bad to live in. Risk Index and Expected Annual Loss values are FEMA estimates for planning. They do not predict next year's losses and do not apply to a single property. Flood zones are set by FEMA flood maps for specific properties. County ratings and flood insurance counts do not tell anyone whether an address is in a flood zone. Disaster declaration, NFIP and tornado counts are records of the past for this county only. Do not compare with other counties unless a fact does.

Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties, v1.20 (December 2025). Retrieved from fema.maps.arcgis.com on October 30, 2026. This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.