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C+Hazard risk
Natural hazards in Daisetta · FEMA

More hazard damage per building is expected in Daisetta than in 64% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Daisetta gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns. Most of that expected damage is river and rain flooding (50%), then hurricanes (32%). Flood insurance has paid 11 claims here since 1996.

River and rain flooding 50%Hurricanes 32%Tornadoes 10%

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

more than 64%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C+
in Texas · higher than 64% of U.S. towns
Main hazard
River and rain flooding
50% of expected building damage
Flood claims
11
paid since 1996 · $618K
Flooded more than once
1
properties
Disasters paid out here
10
of 31 declared for Liberty County
By hazard

What Daisetta 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

50%of expected building damage
About average · lower than 55% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

32%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once every 6 years in the area

Tornadoes

10%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once every 9 years in the area

Wildfire

5%of expected building damage
Well above average · in the top 7% of U.S. census tracts
Smaller shares here
 Ice storms Strong wind Earthquakes Hail Winter storms Cold waves 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 tornadoes at 26% of Daisetta’s expected losses. Tornadoes do little damage to buildings (10.5%), 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 Daisetta’s grade

River and rain flooding is 50% of the building damage FEMA expects in Daisetta, and Daisetta’s rate of river and rain flooding damage is lower than 55% of U.S. census tracts. Wildfire adds 5%, at a rate in the top 7% of U.S. census tracts.

Where Daisetta sits
Daisetta
Least damageMiddleMost damage

C+ higher expected damage per building than 64% of U.S. towns (21,298).

All of Daisetta’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding50%Hurricanes32%Tornadoes10%Everything else7%

In dollars, FEMA expects about $363K a year in losses across Daisetta: $205K to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Harvey in 2017, FEMA took 122 aid registrations from Daisetta addresses (the town has 466 homes) and flood insurance paid 8 claims for $563K.
Shared tract.All of Daisetta’s 923 residents (2020 census) live in one census tract, which it shares with Hull CDP (522 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Daisetta flood? Sometimes: 11 flood claims since 1996

Every paid claim on a federal flood insurance policy in Daisetta, from FEMA’s records: 23.6 per 1,000 homes, more than 86% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1996: 1 claim1997: 0 claims1998: 0 claims1999: 0 claims2000: 1 claim2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 8 claims2018: 0 claims2019: 1 claim2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199620002017
19962026
Biggest named events
  • Hurricane Harvey8 claims · $563K
  • Tropical Storm Imelda1 claim · $19K
11
paid claims since 1996
$618K
paid to owners
1
homes flooded more than once
$56K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Liberty County.
Disasters

10 federal disasters brought FEMA money to Daisetta

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

  1. 2024Hurricane Beryl61 households applied for aid$47K aid approved
  2. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding13 households applied for aid$41K aid approved
  3. 2021Severe Winter Storms20 households applied for aid$25K aid approved
  4. 2019Tropical Storm Imelda25 households applied for aid$20K aid approved1 flood claim paid for it, $19K
  5. 2017Hurricane Harvey122 households applied for aid$97K aid approved$5K to the City of Daisetta for repairs8 flood claims paid for it, $563K
  6. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding9 households applied for aid$12K aid approved
Show all 10
  1. 2008Hurricane Ike250 households applied for aid$362K aid approved$57K to the City of Daisetta for repairs
  2. 2005Hurricane Rita505 households applied for aid$923K aid approved
  3. 2002Severe Storms, Tornadoes and Flooding8 households applied for aid$25K aid approved
  4. 2001Tx-tropical Storm Allison-06-06-2001$2K to the City of Daisetta for repairs
Disasters declared, by decade
Paid out in DaisettaLiberty County only

Liberty County has had 31 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.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Liberty County, 2000–2000.

Were you here?

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

Add to the Daisetta archive →
Be ready

Get ready for what Daisetta 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 ↗
Hurricane season
  • 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.
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 ↗
Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
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 Daisetta

Is Daisetta at risk for natural disasters?

On FEMA’s National Risk Index, Daisetta has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (50%) and hurricanes (32%). 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 Daisetta flood?

Flood insurance has paid 11 claims in Daisetta since 1996, $618K in all, or 23.6 per 1,000 homes, more than 86% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Harvey (8).

Is Daisetta 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 Liberty County, 19% of homes in mapped flood zones carry federal flood insurance, and 5.9% of all homes do.

How much is flood insurance in Daisetta?

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

By FEMA money that reached Daisetta, Hurricane Rita (2005): 505 households applied for aid, $923K approved. By flood claims, Hurricane Harvey: 8 paid, $563K.

Is Daisetta at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (50%), and Daisetta’s rate for it is lower than 55% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Daisetta.

Town Square →
Start the conversation

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