Photo: Renelibrary · CC BY-SA 4.0On FEMA’s figures, Devine faces less hazard damage per building than 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Devine gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns, #154 of 642 in Texas. Most of that expected damage is river and rain flooding (68%). Flood insurance has paid 1 claim here since 2010.
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 Devine 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
Tornadoes
Wildfire
Strong wind
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 Devine’s grade
River and rain flooding is 68% of the building damage FEMA expects in Devine, and Devine’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Wildfire adds 8%, at a rate in the top 7% of U.S. census tracts.
B+ #154 of 642 in Texas; lower expected damage per building than 72% of U.S. towns (21,298).
Devine’s residents live in 2 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, Devine has less expected damage per building than 76% of Texas towns.
In dollars, FEMA expects about $1.2M a year in losses across Devine: $647K to buildings, the rest to people and crops.
Does Devine flood? Rarely: 1 flood claim since 2010
Every paid claim on a federal flood insurance policy in Devine, from FEMA’s records: 0.5 per 1,000 homes, fewer than 88% of the 13,809 U.S. towns with a flood insurance record.
Devine isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Medina County.3 federal disasters brought FEMA money to Devine
Disasters that paid out in Devine itself (aid to households or repair grants to the City of Devine), newest first, with that year’s flood claims.
- 2021Severe Winter Storms83 households applied for aid$64K aid approved$15K to the City of Devine for repairs
- 2007Tropical Storm Erin1 households applied for aid$1K aid approved
- 2007Severe Storms, Tornadoes, and Flooding5 households applied for aid$8K aid approved
Medina County has had 14 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 Devine after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Devine archive →Get ready for what Devine 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.
- 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Devine
Is Devine at risk for natural disasters?
On FEMA’s National Risk Index, Devine has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk, #154 of 642 in Texas. Most of the expected damage is river and rain flooding (68%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Devine flood?
Flood insurance has paid 1 claim in Devine since 2010, $46K in all, or 0.5 per 1,000 homes, fewer than 88% of U.S. towns with a flood insurance record.
Is Devine 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 Medina County, 17% of homes in mapped flood zones carry federal flood insurance, and 1.9% of all homes do.
How much is flood insurance in Devine?
FEMA’s Community Rating System list shows no discount for Devine’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 Devine?
By FEMA money that reached Devine, Severe Winter Storms (2021): 83 households applied for aid, $64K approved, and $15K to the City of Devine for repairs.
Is Devine at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Devine’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Devine.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Devine’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.