Guest, Sign inJoin

Post to Hedwig Village

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
HedwigVillageMarketPhoto: WhisperToMe · Public domain
C+Hazard risk
Natural hazards in Hedwig Village · FEMA

On FEMA’s figures, Hedwig Village faces more hazard damage per building than 64% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Hedwig Village 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 (59%), then hurricanes (34%). Flood insurance has paid 107 claims here since 1981.

River and rain flooding 59%Hurricanes 34%Tornadoes 6%

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
59% of expected building damage
Flood claims
107
paid since 1981 · $3.4M
Flooded more than once
21
properties · 5 “severe repetitive loss”
Disasters paid out here
5
of 34 declared for Harris County

What stands out about Hedwig Village’s natural hazards

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

107 paid flood claims since 1981$3.4M in all; 21 properties flooded more than once. More per home than 96% of U.S. towns.Remembers 200925 flood claims were paid for 2009 alone, the most of any year.
By hazard

What Hedwig Village 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

59%of expected building damage
About average · higher than 56% of U.S. census tracts
Recorded about 5 times a year in the area

Hurricanes

34%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

6%of expected building damage
Above average · higher than 65% of U.S. census tracts
Smaller shares here
 Earthquakes Strong wind Ice storms Hail Cold waves Wildfire Winter storms Heat waves Landslides Lightning
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 14% of Hedwig Village’s expected losses. Tornadoes do little damage to buildings (5.5%), 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 Hedwig Village’s grade

River and rain flooding is 59% of the building damage FEMA expects in Hedwig Village, and Hedwig Village’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Next is hurricanes at 34% (higher than 88% of U.S. census tracts).

Where Hedwig Village sits
Hedwig Village
Least damageMiddleMost damage

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

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

What drives the damage to buildings
River and rain flooding59%Hurricanes34%Tornadoes6%Everything else1%

In dollars, FEMA expects about $1.9M a year in losses across Hedwig Village: $1.6M to buildings, the rest to people and crops.

Shared tract.All of Hedwig Village’s 2,370 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 Hedwig Village flood? Yes: 107 flood claims since 1981

Every paid claim on a federal flood insurance policy in Hedwig Village, from FEMA’s records: 99.7 per 1,000 homes, more than 96% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1981: 2 claims1982: 0 claims1983: 6 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 3 claims1990: 0 claims1991: 0 claims1992: 16 claims1993: 0 claims1994: 2 claims1995: 0 claims1996: 0 claims1997: 8 claims1998: 0 claims1999: 1 claim2000: 0 claims2001: 4 claims2002: 1 claim2003: 1 claim2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 6 claims2009: 25 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 23 claims2016: 4 claims2017: 4 claims2018: 0 claims2019: 1 claim2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199220092015
19812026
Biggest named events
  • The Early summer storms23 claims · $1.3M
  • The Spring Storm23 claims · $749K
  • Hurricane Ike6 claims · $273K
107
paid claims since 1981
$3.4M
paid to owners
21
homes flooded more than once
$32K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (5)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Harris County.
Disasters

5 federal disasters brought FEMA money to Hedwig Village

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

  1. 2024Hurricane Beryl1 households applied for aid$750 aid approved$72K to the City of Hedwig Village for repairs
  2. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding$122K to the City of Hedwig Village for repairs
  3. 2017Hurricane Harvey1 households applied for aid$500 aid approved$40K to the City of Hedwig Village for repairs4 flood claims paid for it, $94K
  4. 2008Hurricane Ike$459K to the City of Hedwig Village for repairs6 flood claims paid for it, $273K
  5. 2005Hurricane Rita$22K to the City of Hedwig Village for repairs
Disasters declared, by decade
Paid out in Hedwig VillageHarris County only

Harris County has had 34 natural disasters declared by the President since 1953, most often floods, 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 Harris County, 2011–2011.

Were you here?

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

Add to the Hedwig Village archive →
Next door

Hedwig Village and its neighbors

Hedwig Village has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.

Bunker Hill Village: hazard risk C−Hunters Creek Village: hazard risk C−Spring Valley Village: hazard risk C−Piney Point Village: hazard risk C−Bunker Hill VillageHunters Creek VillageSpring Valley VillagePiney Point VillageHedwig Village
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Hedwig VillageC+more damage than 64%river and rain flooding107
Spring Valley VillageC−more damage than 77%river and rain flooding81
Hunters Creek VillageC−more damage than 79%river and rain flooding198
Bunker Hill VillageC−more damage than 82%river and rain flooding229
Piney Point VillageC−more damage than 83%river and rain flooding288

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 Hedwig Village 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 ↗
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 Hedwig Village

Is Hedwig Village at risk for natural disasters?

On FEMA’s National Risk Index, Hedwig Village 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 (59%) and hurricanes (34%). 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 Hedwig Village flood?

Flood insurance has paid 107 claims in Hedwig Village since 1981, $3.4M in all, or 99.7 per 1,000 homes, more than 96% of U.S. towns with a flood insurance record. 21 properties have flooded more than once. The most claims came from Early summer storms (23).

Is Hedwig Village 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 Harris County, 48% of homes in mapped flood zones carry federal flood insurance, and 16.6% of all homes do.

How much is flood insurance in Hedwig Village?

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

By FEMA money that reached Hedwig Village, Hurricane Ike (2008): $459K to the City of Hedwig Village for repairs. By flood claims, Early summer storms: 23 paid, $1.3M.

Is Hedwig Village at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (59%), and Hedwig Village’s rate for it is higher than 56% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Hedwig Village.

Town Square →
Start the conversation

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