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C+Hazard risk
Natural hazards in Fifth Street · FEMA

FEMA expects about as much hazard damage per building in Fifth Street as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Fifth Street gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (63%), then hurricanes (32%). Flood insurance has paid 16 claims here since 2014.

River and rain flooding 63%Hurricanes 32%Tornadoes 4%

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 58%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 58% of U.S. towns
Main hazard
River and rain flooding
63% of expected building damage
Flood claims
16
paid since 2014 · $739K
Flood claims per home
41 per 1,000
more than 91% of U.S. towns
By hazard

What Fifth Street 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

63%of expected building damage
About average · higher than 56% 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
Smaller shares here
 Tornadoes Earthquakes Strong wind Hail Cold waves Lightning Wildfire Winter storms Ice storms 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 21% of Fifth Street’s expected losses. Tornadoes do little damage to buildings (4.4%), 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 Fifth Street’s grade

River and rain flooding is 63% of the building damage FEMA expects in Fifth Street, and Fifth Street’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Next is hurricanes at 32% (higher than 88% of U.S. census tracts).

Where Fifth Street sits
Fifth Street
Least damageMiddleMost damage

C+ higher expected damage per building than 58% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding63%Hurricanes32%Tornadoes4%Everything else1%

In dollars, FEMA expects about $740K a year in losses across Fifth Street: $467K to buildings, the rest to people and crops.

Shared tract.All of Fifth Street’s 2,284 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. 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 Fifth Street flood? Sometimes: 16 flood claims since 2014

Every paid claim on a federal flood insurance policy in Fifth Street, from FEMA’s records: 41.1 per 1,000 homes, more than 91% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2014: 1 claim2015: 4 claims2016: 1 claim2017: 7 claims2018: 0 claims2019: 0 claims2020: 1 claim2021: 0 claims2022: 0 claims2023: 0 claims2024: 2 claims2025: 0 claims2026: 0 claims201520172024
20142026
Biggest named events
  • Hurricane Harvey7 claims · $290K
  • The Early summer storms3 claims · $171K
  • Hurricane Beryl2 claims · $149K
16
paid claims since 2014
$739K
paid to owners
0
homes flooded more than once
$46K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Fort Bend County.
Disasters

The storms Fifth Street remembers

None of the 21 disasters declared for Fort Bend County shows FEMA aid or repair money reaching Fifth Street itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20177 flood claims paidThe year of Hurricane Harvey, declared for Fort Bend County
  2. 20154 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds and Flooding, declared for Fort Bend County
  3. 20242 flood claims paidThe year of Hurricane Beryl, declared for Fort Bend County
Disasters declared, by decade
Paid out in Fifth StreetFort Bend County only

Fort Bend County has had 21 natural disasters declared by the President since 1953, most often hurricanes and tropical 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 Fort Bend County, 2006–2006.

Were you here?

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

Add to the Fifth Street archive →
Next door

Fifth Street and its neighbors

Fifth Street has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.

Stafford: hazard risk CMissouri City: hazard risk C−StaffordMissouri CityFifth Street
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Fifth StreetC+more damage than 58%river and rain flooding16
StaffordCmore damage than 72%river and rain flooding77
Missouri CityC−more damage than 76%river and rain flooding558

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.

Be ready

Get ready for what Fifth Street 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 ↗
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 Fifth Street

Is Fifth Street at risk for natural disasters?

On FEMA’s National Risk Index, Fifth Street has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (63%) 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 Fifth Street flood?

Flood insurance has paid 16 claims in Fifth Street since 2014, $739K in all, or 41.1 per 1,000 homes, more than 91% of U.S. towns with a flood insurance record. The most claims came from Hurricane Harvey (7).

Is Fifth Street 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 Fort Bend County, 42% of homes in mapped flood zones carry federal flood insurance, and 15.4% of all homes do.

How much is flood insurance in Fifth Street?

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

By flood claims, Hurricane Harvey: 7 paid, $290K.

Is Fifth Street at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (63%), and Fifth Street’s rate for it is higher than 56% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Fifth Street.

Town Square →
Start the conversation

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