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Chambers County CourthouseChambers County Courthouse · Photo: Larry D. Moore · CC BY 4.0
C−Hazard risk
Natural hazards in Anahuac · FEMA

FEMA puts Anahuac’s expected hazard damage per building above that of 82% of U.S. towns, led by river and rain flooding

On FEMA’s National Risk Index, Anahuac gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns. Most of that expected damage is river and rain flooding (46%), then hurricanes (29%). Flood insurance has paid 55 claims here since 1981.

River and rain flooding 46%Hurricanes 29%Coastal flooding 8%

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

more than 82%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Texas · higher than 82% of U.S. towns
Main hazard
River and rain flooding
46% of expected building damage
Flood claims
55
paid since 1981 · $1.6M
Flooded more than once
3
properties · 1 “severe repetitive loss”
Flood insurance
10% off
Community discount (class 8)

What stands out about Anahuac’s natural hazards

From FEMA’s model and FEMA’s records, below.

10% off flood insuranceFlood-proofing work earns Anahuac residents a discount through FEMA’s Community Rating System (class 8).Coastal flooding: the top 2% of U.S. tractsFEMA’s building-damage rate for coastal flooding here ranks in the top 2% of U.S. census tracts; it is 8.5% of the damage it expects.Made safer with FEMA grants3 storm safe rooms built with FEMA grants.Remembers 198113 flood claims were paid for 1981 alone, the most of any year.
By hazard

What Anahuac 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

46%of expected building damage
About average · higher than 60% of U.S. census tracts
Recorded about once a year in the area

Hurricanes

29%of expected building damage
Well above average · higher than 90% of U.S. census tracts
Recorded about once every 5 years in the area

Coastal flooding

8%of expected building damage
Well above average · in the top 2% of U.S. census tracts

Wildfire

8%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Smaller shares here
 Hail Ice storms Strong wind Earthquakes Winter storms Lightning Cold waves Heat waves Landslides
FEMA models no building damage here
AvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 9% of Anahuac’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Anahuac’s grade

River and rain flooding is 46% of the building damage FEMA expects in Anahuac, and Anahuac’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Coastal flooding adds 8%, at a rate in the top 2% of U.S. census tracts.

Where Anahuac sits
Anahuac
Least damageMiddleMost damage

C− higher expected damage per building than 82% of U.S. towns (21,298).

Anahuac’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding46%Hurricanes29%Coastal flooding8%Everything else17%

In dollars, FEMA expects about $1.4M a year in losses across Anahuac: $892K to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Harvey in 2017, FEMA took 953 aid registrations from Anahuac addresses (the town has 962 homes) and flood insurance paid 7 claims for $386K.
A small-area figure. Anahuac covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Anahuac flood? Sometimes: 55 flood claims since 1981

Every paid claim on a federal flood insurance policy in Anahuac, from FEMA’s records: 57.2 per 1,000 homes, more than 93% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1981: 13 claims1982: 0 claims1983: 4 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 1 claim1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 1 claim1996: 3 claims1997: 0 claims1998: 1 claim1999: 0 claims2000: 2 claims2001: 1 claim2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 2 claims2007: 0 claims2008: 5 claims2009: 11 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 1 claim2017: 7 claims2018: 0 claims2019: 3 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198120092017
19812026
Biggest named events
  • Hurricane Harvey7 claims · $386K
  • Hurricane Ike5 claims · $469K
  • Hurricane Alicia4 claims · $24K
55
paid claims since 1981
$1.6M
paid to owners
3
homes flooded more than once
$29K
average claim
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
Community discount10% off flood insurance

Anahuac is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Chambers County.
What’s been done with FEMA grants
3storm safe rooms built
Disasters

7 federal disasters brought FEMA money to Anahuac

Disasters that paid out in Anahuac itself (aid to households or repair grants to the City of Anahuac), newest first, with that year’s flood claims.

  1. 2024Hurricane Beryl693 households applied for aid$803K aid approved$8K to the City of Anahuac for repairs
  2. 2021Severe Winter Storms85 households applied for aid$41K aid approved$6K to the City of Anahuac for repairs
  3. 2019Tropical Storm Imelda74 households applied for aid$172K aid approved3 flood claims paid for it, $94K
  4. 2017Hurricane Harvey953 households applied for aid$2.7M aid approved$130K to the City of Anahuac for repairs7 flood claims paid for it, $386K
  5. 2008Hurricane Ike1,666 households applied for aid$8.0M aid approved$158K to the City of Anahuac for repairs5 flood claims paid for it, $469K
  6. 2005Hurricane Rita2,247 households applied for aid$3.3M aid approved$24K to the City of Anahuac for repairs
Show all 7
  1. 2005Hurricane Rita$6K to the City of Anahuac for repairs
Disasters declared, by decade
Paid out in AnahuacChambers County only

Chambers County has had 16 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Anahuac after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Anahuac archive →
Be ready

Get ready for what Anahuac faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • 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.
More from Ready.gov ↗
When the tide surges
  • Know your evacuation zone and the way off the coast.
  • Storm surge comes fast: leave when you’re told, not when the water arrives.
  • Move cars to high ground before king tides and nor’easters.
More from Ready.gov ↗
Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
Before you buy or rent
  • 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.
  • Anahuac residents get 10% off flood insurance.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Anahuac

Is Anahuac at risk for natural disasters?

On FEMA’s National Risk Index, Anahuac has higher expected damage per building than 82% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (46%) and hurricanes (29%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Anahuac flood?

Flood insurance has paid 55 claims in Anahuac since 1981, $1.6M in all, or 57.2 per 1,000 homes, more than 93% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from Hurricane Harvey (7).

Is Anahuac 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 Chambers County, 43% of homes in mapped flood zones carry federal flood insurance, and 22.7% of all homes do.

How much is flood insurance in Anahuac?

Anahuac is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Anahuac?

By FEMA money that reached Anahuac, Hurricane Ike (2008): 1,666 households applied for aid, $8.0M approved, and $158K to the City of Anahuac for repairs. By flood claims, Hurricane Harvey: 7 paid, $386K.

Is Anahuac at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (46%), and Anahuac’s rate for it is higher than 60% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Anahuac.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Anahuac’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.