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Hewitt Texas City Hall 2019Photo: Larry D. Moore · CC BY 4.0
A−Hazard risk
Natural hazards in Hewitt · FEMA

FEMA expects less hazard damage per building in Hewitt than in 84% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Hewitt gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns, #79 of 642 in Texas. Most of that expected damage is river and rain flooding (77%), then tornadoes (13%). Flood insurance has paid 22 claims here since 1979.

River and rain flooding 77%Tornadoes 13%Hurricanes 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

less than 84%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#79 of 642 in Texas
Hazard risk
A−#79 of 642
in Texas · lower than 84% of U.S. towns
Main hazard
River and rain flooding
77% of expected building damage
Flood claims
22
paid since 1979 · $474K
Flooded more than once
4
properties
Disasters paid out here
1
of 17 declared for McLennan County

What stands out about Hewitt’s natural hazards

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

Lower expected damage than 84% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Remembers 20164 flood claims were paid for 2016 alone, the most of any year.
By hazard

What Hewitt 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

77%of expected building damage
Below average · lower than 65% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

13%of expected building damage
Above average · higher than 69% of U.S. census tracts
Smaller shares here
 Hurricanes Hail Strong wind Earthquakes Wildfire Cold waves top 4% Winter storms Ice 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 tornadoes at 34% of Hewitt’s expected losses. Tornadoes do little damage to buildings (13.0%), 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 Hewitt’s grade

River and rain flooding is 77% of the building damage FEMA expects in Hewitt, and Hewitt’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Next is tornadoes at 13% (higher than 69% of U.S. census tracts).

Where Hewitt sits
Hewitt
Least damageMiddleMost damage

A− #79 of 642 in Texas; lower expected damage per building than 84% of U.S. towns (21,298).

Hewitt’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding77%Tornadoes13%Hurricanes4%Everything else6%

The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Hewitt has less expected damage per building than 88% of Texas towns.

In dollars, FEMA expects about $5.1M a year in losses across Hewitt: $2.4M to buildings, the rest to people and crops.

A small-area figure. Hewitt covers 4 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 Hewitt flood? Sometimes: 22 flood claims since 1979

Every paid claim on a federal flood insurance policy in Hewitt, from FEMA’s records: 3.6 per 1,000 homes, more than 52% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 1 claim1980: 0 claims1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 2 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 1 claim1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 1 claim2007: 2 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 2 claims2013: 0 claims2014: 1 claim2015: 3 claims2016: 4 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 1 claim2026: 4 claims201520162026
19792026
Biggest named events
  • The 2026-06-Arthur-TS3 claims · $167K
  • The Fall severe storms2 claims · $36K
  • Tropical Storm Claudette1 claim · $23K
22
paid claims since 1979
$474K
paid to owners
4
homes flooded more than once
$22K
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

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

Insurance rates: McLennan County.
Disasters

1 federal disaster brought FEMA money to Hewitt

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

  1. 2021Severe Winter Storms99 households applied for aid$23K aid approved
Disasters declared, by decade
Paid out in HewittMcLennan County only

McLennan County has had 17 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Hewitt archive →
Next door

Hewitt and its neighbors

Hewitt is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Waco: hazard risk ARobinson: hazard risk AWacoRobinsonHewitt
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
RobinsonAless damage than 92%river and rain flooding73
WacoAless damage than 90%river and rain flooding113
HewittA−less damage than 84%river and rain flooding22

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 Hewitt 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 ↗
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 Hewitt

Is Hewitt at risk for natural disasters?

On FEMA’s National Risk Index, Hewitt has lower expected damage per building than 84% of U.S. towns: A− for hazard risk, #79 of 642 in Texas. Most of the expected damage is river and rain flooding (77%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Hewitt flood?

Flood insurance has paid 22 claims in Hewitt since 1979, $474K in all, or 3.6 per 1,000 homes, more than 52% of U.S. towns with a flood insurance record. 4 properties have flooded more than once. The most claims came from 2026-06-Arthur-TS (3).

Is Hewitt 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 McLennan County, 33% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.

How much is flood insurance in Hewitt?

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

By FEMA money that reached Hewitt, Severe Winter Storms (2021): 99 households applied for aid, $23K approved. By flood claims, 2026-06-Arthur-TS: 3 paid, $167K.

Is Hewitt at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (77%), and Hewitt’s rate for it is lower than 65% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Hewitt.

Town Square →
Start the conversation

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