Photo: Billy Hathorn at en.wikipedia · CC BY-SA 3.0FEMA puts Crockett’s expected hazard damage per building below that of 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Crockett gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns, #69 of 642 in Texas. Most of that expected damage is river and rain flooding (64%), then hurricanes (18%). Flood insurance has paid 9 claims here since 1979.
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 Crockett’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Crockett 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 Crockett’s grade
River and rain flooding is 64% of the building damage FEMA expects in Crockett, and Crockett’s rate of river and rain flooding damage is lower than 81% of U.S. census tracts. Cold waves add 1%, at a rate in the top 1% of U.S. census tracts.
A #69 of 642 in Texas; lower expected damage per building than 86% of U.S. towns (21,298).
Crockett’s residents live in 3 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, Crockett has less expected damage per building than 89% of Texas towns.
In dollars, FEMA expects about $3.3M a year in losses across Crockett: $1.1M to buildings, the rest to people and crops.
Does Crockett flood? Rarely: 9 flood claims since 1979
Every paid claim on a federal flood insurance policy in Crockett, from FEMA’s records: 2.8 per 1,000 homes, fewer than 54% of the 13,809 U.S. towns with a flood insurance record.
- The Fall 2018 Texas Flooding1 claim · $4K
- The Early summer storms1 claim · $3K
Crockett isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Houston County.8 federal disasters brought FEMA money to Crockett
Disasters that paid out in Crockett itself (aid to households or repair grants to the City of Crockett), newest first, with that year’s flood claims.
- 2021Severe Winter Storms235 households applied for aid$82K aid approved$34K to the City of Crockett for repairs
- 2018Severe Storms and Flooding$134K to the City of Crockett for repairs1 flood claim paid that year
- 2017Hurricane Harvey4 households applied for aid$500 aid approved
- 2016Severe Storms and Flooding$103K to the City of Crockett for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding$94K to the City of Crockett for repairs1 flood claim paid that year
- 2011Wildfires23 households applied for aid$30K aid approved
Show all 8
- 2008Hurricane Ike491 households applied for aid$99K aid approved$184K to the City of Crockett for repairs
- 2005Hurricane Rita1 households applied for aid$2K aid approved$33K to the City of Crockett for repairs
Houston County has had 23 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Crockett after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Crockett archive →Get ready for what Crockett 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Crockett
Is Crockett at risk for natural disasters?
On FEMA’s National Risk Index, Crockett has lower expected damage per building than 86% of U.S. towns: A for hazard risk, #69 of 642 in Texas. Most of the expected damage is river and rain flooding (64%) and hurricanes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Crockett flood?
Flood insurance has paid 9 claims in Crockett since 1979, $148K in all, or 2.8 per 1,000 homes, fewer than 54% of U.S. towns with a flood insurance record. The most claims came from Fall 2018 Texas Flooding (1).
Is Crockett 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 Houston County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Crockett?
FEMA’s Community Rating System list shows no discount for Crockett’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 Crockett?
By FEMA money that reached Crockett, Hurricane Ike (2008): 491 households applied for aid, $99K approved, and $184K to the City of Crockett for repairs. By flood claims, Fall 2018 Texas Flooding: 1 paid, $4K.
Is Crockett at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Crockett’s rate for it is lower than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Crockett.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Crockett’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.