Photo: WhisperToMe · Public domainOn FEMA’s figures, Aldine faces more hazard damage per building than 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Aldine gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns, #579 of 642 in Texas. Most of that expected damage is river and rain flooding (67%), then hurricanes (28%). Flood insurance has paid 2,024 claims here since 1978.
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 stands out about Aldine’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Aldine 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
Hurricanes
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 Aldine’s grade
River and rain flooding is 67% of the building damage FEMA expects in Aldine, and Aldine’s rate of river and rain flooding damage is higher than 82% of U.S. census tracts. Next is hurricanes at 28% (higher than 89% of U.S. census tracts).
C− #579 of 642 in Texas; higher expected damage per building than 83% of U.S. towns (21,298).
Aldine’s residents live in 6 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, Aldine has more expected damage per building than 90% of Texas towns.
In dollars, FEMA expects about $8.2M a year in losses across Aldine: $5.8M to buildings, the rest to people and crops.
Does Aldine flood? Yes: 2,024 flood claims since 1978
Every paid claim on a federal flood insurance policy in Aldine, from FEMA’s records: 413.1 per 1,000 homes, more than 99% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Harvey361 claims · $24.1M
- Hurricane Ike295 claims · $8.8M
- Tropical Storm Allison291 claims · $9.8M
Aldine 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.1 federal disaster brought FEMA money to Aldine
Disasters that paid out in Aldine itself (aid to households or repair grants to Aldine), newest first, with that year’s flood claims.
- 2024Hurricane Beryl5 households applied for aid$6K aid approved67 flood claims paid for it, $2.9M
Harris County has had 34 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Harris County, 2011–2011.
Old photos of Aldine after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Aldine archive →Get ready for what Aldine 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Aldine
Is Aldine at risk for natural disasters?
On FEMA’s National Risk Index, Aldine has higher expected damage per building than 83% of U.S. towns: C− for hazard risk, #579 of 642 in Texas. Most of the expected damage is river and rain flooding (67%) and hurricanes (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Aldine flood?
Flood insurance has paid 2,024 claims in Aldine since 1978, $70.1M in all, or 413.1 per 1,000 homes, more than 99% of U.S. towns with a flood insurance record. The most claims came from Hurricane Harvey (361).
Is Aldine 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 Harris County, 48% of homes in mapped flood zones carry federal flood insurance, and 16.6% of all homes do.
How much is flood insurance in Aldine?
FEMA’s Community Rating System list shows no discount for Aldine’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Aldine?
By FEMA money that reached Aldine, Hurricane Beryl (2024): 5 households applied for aid, $6K approved. By flood claims, Hurricane Harvey: 361 paid, $24.1M.
Is Aldine at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Aldine’s rate for it is higher than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Aldine.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Aldine’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.