On FEMA’s figures, Agua Dulce faces less hazard damage per building than 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Agua Dulce gets a B for hazard risk: lower expected damage per building than 61% of U.S. towns, #234 of 642 in Texas. Most of that expected damage is river and rain flooding (84%), then hail (12%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Agua Dulce faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hail
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Agua Dulce’s grade
River and rain flooding is 84% of the building damage FEMA expects in Agua Dulce, and Agua Dulce’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Hail adds 12%, at a rate in the top 8% of U.S. census tracts.
B #234 of 642 in Texas; lower expected damage per building than 61% of U.S. towns (21,298).
Agua Dulce’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Agua Dulce has less expected damage per building than 64% of Texas towns.
In dollars, FEMA expects about $416K a year in losses across Agua Dulce: $313K to buildings, the rest to people and crops.
Does Agua Dulce flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Agua Dulce. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Agua Dulce isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: El Paso County.The storms Agua Dulce remembers
None of the 10 disasters declared for El Paso County shows FEMA aid or repair money reaching Agua Dulce itself in FEMA’s records, so these are its biggest flood-claim years.
El Paso County has had 10 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Agua Dulce and its neighbors
Agua Dulce is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Horizon City | Aless damage than 94% | river and rain flooding | — |
| Agua Dulce | Bless damage than 61% | river and rain flooding | 0 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Agua Dulce faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Agua Dulce
Is Agua Dulce at risk for natural disasters?
On FEMA’s National Risk Index, Agua Dulce has lower expected damage per building than 61% of U.S. towns: B for hazard risk, #234 of 642 in Texas. Most of the expected damage is river and rain flooding (84%) and hail (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Agua Dulce in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In El Paso County, 1.1% of all homes carry federal flood insurance.
How much is flood insurance in Agua Dulce?
FEMA’s Community Rating System list shows no discount for Agua Dulce’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Agua Dulce at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Agua Dulce’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Agua Dulce.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Agua Dulce’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.