Photo: Renelibrary · CC BY-SA 4.0FEMA expects less hazard damage per building in Conroe than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Conroe gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns, #198 of 642 in Texas. Most of that expected damage is river and rain flooding (67%), then hurricanes (16%). Flood insurance has paid 708 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 Conroe’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Conroe 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
Tornadoes
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 Conroe’s grade
River and rain flooding is 67% of the building damage FEMA expects in Conroe, and Conroe’s rate of river and rain flooding damage is lower than 59% of U.S. census tracts. Next is hurricanes at 16% (higher than 83% of U.S. census tracts).
B+ #198 of 642 in Texas; lower expected damage per building than 66% of U.S. towns (21,298).
Conroe’s residents live in 42 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, Conroe has less expected damage per building than 69% of Texas towns.
Among the 400 U.S. cities of 100,000 or more, Conroe has lower expected damage per building than 78% (#88 of 400). Because it is so big, its total expected yearly loss, $28.6M, is the 361th largest of those 400.
Does Conroe flood? Yes: 708 flood claims since 1978
Every paid claim on a federal flood insurance policy in Conroe, from FEMA’s records: 16.7 per 1,000 homes, more than 82% of the 13,809 U.S. towns with a flood insurance record.
- The Early summer severe storms72 claims · $4.5M
- Tropical Storm Imelda69 claims · $5.6M
- Tropical Storm Allison67 claims · $1.6M
Conroe is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Montgomery County.15 federal disasters brought FEMA money to Conroe
Disasters that paid out in Conroe itself (aid to households or repair grants to the City of Conroe), newest first, with that year’s flood claims.
- 2024Hurricane Beryl25,278 households applied for aid$21.5M aid approved$2.0M to the City of Conroe for repairs
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding2,810 households applied for aid$5.9M aid approved$260K to the City of Conroe for repairs
- 2021Severe Winter Storms2,269 households applied for aid$1.2M aid approved$214K to the City of Conroe for repairs5 flood claims paid that year
- 2019Tropical Storm Imelda671 households applied for aid$2.1M aid approved69 flood claims paid for it, $5.6M
- 2017Hurricane Harvey5,474 households applied for aid$11.1M aid approved$4.2M to the City of Conroe for repairs48 flood claims paid for it, $4.8M
- 2016Severe Storms and Flooding1,008 households applied for aid$3.1M aid approved$622K to the City of Conroe for repairs
Show all 15
- 2016Severe Storms and Flooding422 households applied for aid$937K aid approved$143K to the City of Conroe for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding42 households applied for aid$45K aid approved9 flood claims paid that year
- 2011Wildfires3 households applied for aid$22K aid approved
- 2008Hurricane Ike10,154 households applied for aid$4.1M aid approved$2.7M to the City of Conroe for repairs7 flood claims paid that year
- 2005Hurricane Rita3,259 households applied for aid$1.8M aid approved$325K to the City of Conroe for repairs
- 2005Hurricane Rita$44K to the City of Conroe for repairs
- 2002Severe Storms, Tornadoes and Flooding143 households applied for aid$612K aid approved13 flood claims paid that year
- 2001Tx-tropical Storm Allison-06-06-2001$142K to the City of Conroe for repairs67 flood claims paid for it, $1.6M
- 1998Tx-flooding 10/18/98$50K to the City of Conroe for repairs59 flood claims paid that year
Montgomery County has had 28 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.
Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Montgomery County, 2000–2025.
Old photos of Conroe after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Conroe archive →Conroe and its neighbors
Conroe 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 |
|---|---|---|---|
| Willis | Aless damage than 87% | river and rain flooding | 5 |
| Conroe | B+less damage than 66% | river and rain flooding | 708 |
| The Woodlands | B−more damage than 55% | river and rain flooding | 361 |
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 Conroe 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.
- 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.
- 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.
- Conroe residents get 15% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Conroe
Is Conroe at risk for natural disasters?
On FEMA’s National Risk Index, Conroe has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk, #198 of 642 in Texas. Most of the expected damage is river and rain flooding (67%) and hurricanes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Conroe flood?
Flood insurance has paid 708 claims in Conroe since 1978, $29.6M in all, or 16.7 per 1,000 homes, more than 82% of U.S. towns with a flood insurance record. 105 properties have flooded more than once. The most claims came from Early summer severe storms (72).
Is Conroe 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 Montgomery County, 36% of homes in mapped flood zones carry federal flood insurance, and 10.7% of all homes do.
How much is flood insurance in Conroe?
Conroe is in FEMA’s Community Rating System (class 7), which takes 15% 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 Conroe?
By FEMA money that reached Conroe, Hurricane Beryl (2024): 25,278 households applied for aid, $21.5M approved, and $2.0M to the City of Conroe for repairs. By flood claims, Early summer severe storms: 72 paid, $4.5M.
Is Conroe at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Conroe’s rate for it is lower than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Conroe.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Conroe’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.