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B+Hazard risk
Natural hazards in Combine · FEMA

On FEMA’s figures, Combine faces less hazard damage per building than 67% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Combine gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns, #190 of 642 in Texas. Most of that expected damage is river and rain flooding (60%), then tornadoes (18%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 60%Tornadoes 18%Hail 17%

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

less than 67%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#190 of 642 in Texas
Hazard risk
B+#190 of 642
in Texas · lower than 67% of U.S. towns
Main hazard
River and rain flooding
60% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 14 declared for Kaufman County

What stands out about Combine’s natural hazards

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

Lower expected damage than 67% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Made safer with FEMA grants1 storm safe room built with FEMA grants.
By hazard

What Combine 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

60%of expected building damage
Below average · lower than 71% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

18%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about once every 14 years in the area

Hail

17%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Recorded about 7 times a year in the area
Smaller shares here
 Wildfire Earthquakes Strong wind Winter storms Cold waves top 2% Hurricanes Ice storms Lightning Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts heat waves at 20% of Combine’s expected losses. Heat waves do 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 Combine’s grade

River and rain flooding is 60% of the building damage FEMA expects in Combine, and Combine’s rate of river and rain flooding damage is lower than 71% of U.S. census tracts. Tornadoes add 18%, at a rate in the top 8% of U.S. census tracts.

Where Combine sits
Combine
Least damageMiddleMost damage

B+ #190 of 642 in Texas; lower expected damage per building than 67% of U.S. towns (21,298).

Combine’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 flooding60%Tornadoes18%Hail17%Everything else6%

The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Combine has less expected damage per building than 71% of Texas towns.

In dollars, FEMA expects about $727K a year in losses across Combine: $363K to buildings, the rest to people and crops.

A small-area figure. Combine 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 Combine flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Combine. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Combine isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Kaufman County.
What’s been done with FEMA grants
1storm safe room built
Disasters

3 federal disasters brought FEMA money to Combine

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

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding8 households applied for aid$8K aid approved
  2. 2021Severe Winter Storms10 households applied for aid$5K aid approved
  3. 2007Severe Storms, Tornadoes, and Flooding$12K to the City of Combine for repairs
Disasters declared, by decade
Paid out in CombineKaufman County only

Kaufman County has had 14 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.

Were you here?

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

Add to the Combine archive →
Next door

Combine and its neighbors

Combine has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.

Seagoville: hazard risk BSeagovilleCombine
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
CombineB+less damage than 67%river and rain flooding0
SeagovilleBless damage than 55%river and rain flooding1

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.

Be ready

Get ready for what Combine 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 ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Hail
  • 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.
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.
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 Combine

Is Combine at risk for natural disasters?

On FEMA’s National Risk Index, Combine has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk, #190 of 642 in Texas. Most of the expected damage is river and rain flooding (60%) and tornadoes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Combine 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 Kaufman County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Combine?

FEMA’s Community Rating System list shows no discount for Combine’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 Combine?

By FEMA money that reached Combine, Severe Storms, Tornadoes, and Flooding (2007): $12K to the City of Combine for repairs.

Is Combine at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (60%), and Combine’s rate for it is lower than 71% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Combine.

Town Square →
Start the conversation

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