Photo: WhisperToMe · Public domainFEMA expects more hazard damage per building in Bunker Hill Village than in 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bunker Hill Village gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns, #578 of 642 in Texas. Most of that expected damage is river and rain flooding (70%), then hurricanes (25%). Flood insurance has paid 229 claims here since 1980.
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 Bunker Hill Village’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Bunker Hill Village 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 Bunker Hill Village’s grade
River and rain flooding is 70% of the building damage FEMA expects in Bunker Hill Village, and Bunker Hill Village’s rate of river and rain flooding damage is higher than 83% of U.S. census tracts. Next is hurricanes at 25% (higher than 88% of U.S. census tracts).
C− #578 of 642 in Texas; higher expected damage per building than 82% of U.S. towns (21,298).
All of Bunker Hill Village’s residents live in one census tract; the figures are that tract’s.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Bunker Hill Village has more expected damage per building than 90% of Texas towns.
In dollars, FEMA expects about $3.4M a year in losses across Bunker Hill Village: $2.9M to buildings, the rest to people and crops.
Does Bunker Hill Village flood? Yes: 229 flood claims since 1980
Every paid claim on a federal flood insurance policy in Bunker Hill Village, from FEMA’s records: 191.2 per 1,000 homes, more than 98% of the 13,809 U.S. towns with a flood insurance record.
- The Spring Storm47 claims · $3.0M
- The Early summer storms46 claims · $2.3M
- Hurricane Ike23 claims · $1.1M
Bunker Hill Village 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.5 federal disasters brought FEMA money to Bunker Hill Village
Disasters that paid out in Bunker Hill Village itself (aid to households or repair grants to the City of Bunker Hill Village), newest first, with that year’s flood claims.
- 2024Hurricane Beryl1 households applied for aid$177K to the City of Bunker Hill Village for repairs
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding$93K to the City of Bunker Hill Village for repairs
- 2021Severe Winter Storms$25K to the City of Bunker Hill Village for repairs
- 2017Hurricane Harvey$154K to the City of Bunker Hill Village for repairs11 flood claims paid for it, $313K
- 2008Hurricane Ike$68K to the City of Bunker Hill Village for repairs23 flood claims paid for it, $1.1M
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 Bunker Hill Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bunker Hill Village archive →Bunker Hill Village and its neighbors
Bunker Hill Village is 2nd of the 3 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 |
|---|---|---|---|
| Hedwig Village | C+more damage than 64% | river and rain flooding | 107 |
| Bunker Hill Village | C−more damage than 82% | river and rain flooding | 229 |
| Piney Point Village | C−more damage than 83% | river and rain flooding | 288 |
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 Bunker Hill Village 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 Bunker Hill Village
Is Bunker Hill Village at risk for natural disasters?
On FEMA’s National Risk Index, Bunker Hill Village has higher expected damage per building than 82% of U.S. towns: C− for hazard risk, #578 of 642 in Texas. Most of the expected damage is river and rain flooding (70%) and hurricanes (25%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Bunker Hill Village flood?
Flood insurance has paid 229 claims in Bunker Hill Village since 1980, $9.1M in all, or 191.2 per 1,000 homes, more than 98% of U.S. towns with a flood insurance record. 48 properties have flooded more than once. The most claims came from Spring Storm (47).
Is Bunker Hill Village 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 Bunker Hill Village?
FEMA’s Community Rating System list shows no discount for Bunker Hill Village’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 Bunker Hill Village?
By FEMA money that reached Bunker Hill Village, Hurricane Beryl (2024): 1 households applied for aid, $0 approved, and $177K to the City of Bunker Hill Village for repairs. By flood claims, Spring Storm: 47 paid, $3.0M.
Is Bunker Hill Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Bunker Hill Village’s rate for it is higher than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bunker Hill Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bunker Hill Village’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.