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A−Hazard risk
Natural hazards in Eustace · FEMA

Less hazard damage per building is expected in Eustace than in 84% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Eustace gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns. Most of that expected damage is river and rain flooding (70%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 70%Tornadoes 9%Hail 7%

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 84%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in Texas · lower than 84% of U.S. towns
Main hazard
River and rain flooding
70% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 19 declared for Henderson County
By hazard

What Eustace 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

70%of expected building damage
Below average · lower than 73% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

9%of expected building damage
Above average · higher than 62% of U.S. census tracts

Hail

7%of expected building damage
Well above average · higher than 84% of U.S. census tracts
Recorded about 5 times a year in the area

Strong wind

5%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Ice storms Hurricanes Earthquakes Wildfire Cold waves top 1% Winter 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 cold waves at 40% of Eustace’s expected losses. Cold waves do little damage to buildings (0.8%), 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 Eustace’s grade

River and rain flooding is 70% of the building damage FEMA expects in Eustace, and Eustace’s rate of river and rain flooding damage is lower than 73% of U.S. census tracts. Next is tornadoes at 9% (higher than 62% of U.S. census tracts).

Where Eustace sits
Eustace
Least damageMiddleMost damage

A− lower expected damage per building than 84% of U.S. towns (21,298).

Eustace’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 flooding70%Tornadoes9%Hail7%Everything else13%

In dollars, FEMA expects about $496K a year in losses across Eustace: $166K to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Severe Winter Storms in 2021, FEMA took 108 aid registrations from Eustace addresses (the town has 500 homes).
A small-area figure. Eustace 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 Eustace flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Eustace. 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

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

Insurance rates: Henderson County.
Disasters

4 federal disasters brought FEMA money to Eustace

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

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding87 households applied for aid$546K aid approved
  2. 2021Severe Winter Storms108 households applied for aid$36K aid approved
  3. 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding38 households applied for aid$55K aid approved$3K to the City of Eustace for repairs
  4. 2007Severe Storms, Tornadoes, and Flooding16 households applied for aid$35K aid approved$64K to the City of Eustace for repairs
Disasters declared, by decade
Paid out in EustaceHenderson County only

Henderson County has had 19 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.

Were you here?

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

Add to the Eustace archive →
Be ready

Get ready for what Eustace 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 ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
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 Eustace

Is Eustace at risk for natural disasters?

On FEMA’s National Risk Index, Eustace has lower expected damage per building than 84% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (70%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Eustace 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 Henderson County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Eustace?

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

By FEMA money that reached Eustace, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): 87 households applied for aid, $546K approved.

Is Eustace at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (70%), and Eustace’s rate for it is lower than 73% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Eustace.

Town Square →
Start the conversation

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