Guest, Sign inJoin

Post to Gregory

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
C−Hazard risk
Natural hazards in Gregory · FEMA

More hazard damage per building is expected in Gregory than in 76% of U.S. towns, mostly from hurricanes

On FEMA’s National Risk Index, Gregory gets a C− for hazard risk: higher expected damage per building than 76% of U.S. towns. Most of that expected damage is hurricanes (62%), then river and rain flooding (31%). Flood insurance has paid 42 claims here since 1980.

Hurricanes 62%River and rain flooding 31%Tornadoes 3%

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 76%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 76% of U.S. towns
Main hazard
Hurricanes
62% of expected building damage
Flood claims
42
paid since 1980 · $626K
Flooded more than once
5
properties
Disasters paid out here
6
of 27 declared for San Patricio County

What stands out about Gregory’s natural hazards

From FEMA’s model and FEMA’s records, below.

Made safer with FEMA grants1 storm safe room built with FEMA grants.Remembers 201218 flood claims were paid for 2012 alone, the most of any year.
By hazard

What Gregory faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Hurricanes

62%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about once every 8 years in the area

River and rain flooding

31%of expected building damage
Below average · lower than 75% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Tornadoes Hail Strong wind Coastal flooding Cold waves top 2% Earthquakes Lightning Wildfire Winter storms Ice storms Heat waves
FEMA models no building damage here
LandslidesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 14% of Gregory’s expected losses. Cold waves do little damage to buildings (0.2%), 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 Gregory’s grade

Hurricanes are 62% of the building damage FEMA expects in Gregory, and Gregory’s rate of hurricanes damage is in the top 6% of U.S. census tracts. Next is river and rain flooding at 31% (lower than 75% of U.S. census tracts).

Where Gregory sits
Gregory
Least damageMiddleMost damage

C− higher expected damage per building than 76% of U.S. towns (21,298).

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

What drives the damage to buildings
Hurricanes62%River and rain flooding31%Tornadoes3%Everything else3%

In dollars, FEMA expects about $992K a year in losses across Gregory: $443K 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 587 aid registrations from Gregory addresses (the town has 643 homes) and flood insurance paid 5 claims for $61K.
Shared tract.All of Gregory’s 1,740 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 Gregory flood? Sometimes: 42 flood claims since 1980

Every paid claim on a federal flood insurance policy in Gregory, from FEMA’s records: 65.3 per 1,000 homes, more than 94% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1980: 2 claims1981: 3 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 1 claim1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 7 claims2003: 1 claim2004: 2 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 1 claim2011: 0 claims2012: 18 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 1 claim2017: 5 claims2018: 0 claims2019: 1 claim2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims200220122017
19802026
Biggest named events
  • Hurricane Harvey5 claims · $61K
  • The Heavy rains1 claim · $5K
  • The Torrential rain1 claim · $2K
42
paid claims since 1980
$626K
paid to owners
5
homes flooded more than once
$15K
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

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

Insurance rates: San Patricio County.
What’s been done with FEMA grants
1storm safe room built
Disasters

6 federal disasters brought FEMA money to Gregory

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

  1. 2021Severe Winter Storms88 households applied for aid$27K aid approved
  2. 2017Hurricane Harvey587 households applied for aid$793K aid approved$104K to the City of Gregory for repairs5 flood claims paid for it, $61K
  3. 2003Hurricane Claudette6 households applied for aid$2K aid approved1 flood claim paid that year
  4. 2002Severe Storms, Tornadoes and Flooding102 households applied for aid$232K aid approved7 flood claims paid that year
  5. 1999Hurricane Bret$2K to the City of Gregory for repairs
  6. 1998Tx-flooding 10/18/98$23K to the City of Gregory for repairs
Disasters declared, by decade
Paid out in GregorySan Patricio County only

San Patricio County has had 27 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. 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 San Patricio County, 2025–2025.

Were you here?

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

Add to the Gregory archive →
Be ready

Get ready for what Gregory faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

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 ↗
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 ↗
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 Gregory

Is Gregory at risk for natural disasters?

On FEMA’s National Risk Index, Gregory has higher expected damage per building than 76% of U.S. towns: C− for hazard risk. Most of the expected damage is hurricanes (62%) and river and rain flooding (31%). 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 Gregory flood?

Flood insurance has paid 42 claims in Gregory since 1980, $626K in all, or 65.3 per 1,000 homes, more than 94% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Hurricane Harvey (5).

Is Gregory 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 San Patricio County, 32% of homes in mapped flood zones carry federal flood insurance, and 9.0% of all homes do.

How much is flood insurance in Gregory?

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

By FEMA money that reached Gregory, Hurricane Harvey (2017): 587 households applied for aid, $793K approved, and $104K to the City of Gregory for repairs. By flood claims, Hurricane Harvey: 5 paid, $61K.

Is Gregory at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (62%), and Gregory’s rate for it is in the top 6% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Gregory.

Town Square →
Start the conversation

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