More hazard damage per building is expected in Cinco Ranch than in 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cinco Ranch gets a C+ for hazard risk: higher expected damage per building than 62% of U.S. towns, #415 of 642 in Texas. Most of that expected damage is river and rain flooding (64%), then hurricanes (30%). Flood insurance has paid 9 claims here since 1981.
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 Cinco Ranch 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 Cinco Ranch’s grade
River and rain flooding is 64% of the building damage FEMA expects in Cinco Ranch, and Cinco Ranch’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Next is hurricanes at 30% (higher than 88% of U.S. census tracts).
C+ #415 of 642 in Texas; higher expected damage per building than 62% of U.S. towns (21,298).
Cinco Ranch’s residents live in 7 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, Cinco Ranch has more expected damage per building than 65% of Texas towns.
In dollars, FEMA expects about $7.2M a year in losses across Cinco Ranch: $5.0M to buildings, the rest to people and crops.
Does Cinco Ranch flood? Rarely: 9 flood claims since 1981
Every paid claim on a federal flood insurance policy in Cinco Ranch, from FEMA’s records: 1.4 per 1,000 homes, fewer than 70% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Harvey2 claims · $13K
- Hurricane Alicia1 claim · $864
Cinco Ranch isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fort Bend County.1 federal disaster brought FEMA money to Cinco Ranch
Disasters that paid out in Cinco Ranch itself (aid to households or repair grants to Cinco Ranch), newest first, with that year’s flood claims.
- 2017Hurricane Harvey1 households applied for aid$500 aid approved2 flood claims paid for it, $13K
Its 2 counties have had 35 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 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in its 2 counties, 2006–2011.
Old photos of Cinco Ranch after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cinco Ranch archive →Cinco Ranch and its neighbors
Cinco Ranch has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Cinco Ranch | C+more damage than 62% | river and rain flooding | 9 |
| Houston | Dmore damage than 87% | river and rain flooding | 71,124 |
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 Cinco Ranch 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 Cinco Ranch
Is Cinco Ranch at risk for natural disasters?
On FEMA’s National Risk Index, Cinco Ranch has higher expected damage per building than 62% of U.S. towns: C+ for hazard risk, #415 of 642 in Texas. Most of the expected damage is river and rain flooding (64%) and hurricanes (30%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Cinco Ranch flood?
Flood insurance has paid 9 claims in Cinco Ranch since 1981, $80K in all, or 1.4 per 1,000 homes, fewer than 70% of U.S. towns with a flood insurance record. The most claims came from Hurricane Harvey (2).
Is Cinco Ranch 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 Fort Bend County, 42% of homes in mapped flood zones carry federal flood insurance, and 15.4% of all homes do.
How much is flood insurance in Cinco Ranch?
FEMA’s Community Rating System list shows no discount for Cinco Ranch’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 Cinco Ranch?
By FEMA money that reached Cinco Ranch, Hurricane Harvey (2017): 1 households applied for aid, $500 approved. By flood claims, Hurricane Harvey: 2 paid, $13K.
Is Cinco Ranch at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Cinco Ranch’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cinco Ranch.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cinco Ranch’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.