FEMA expects about as much hazard damage per building in Homestead Meadows South as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Homestead Meadows South gets a B− for hazard risk: lower expected damage per building than 55% of U.S. towns, #279 of 642 in Texas. Most of that expected damage is river and rain flooding (84%), then hail (12%). FEMA’s files show no paid flood insurance claims here.
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
What Homestead Meadows South 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
Hail
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.
What’s behind Homestead Meadows South’s grade
River and rain flooding is 84% of the building damage FEMA expects in Homestead Meadows South, and Homestead Meadows South’s rate of river and rain flooding damage is higher than 65% of U.S. census tracts. Hail adds 12%, at a rate in the top 8% of U.S. census tracts.
B− #279 of 642 in Texas; lower expected damage per building than 55% of U.S. towns (21,298).
Homestead Meadows South’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Homestead Meadows South has less expected damage per building than 57% of Texas towns.
In dollars, FEMA expects about $1.0M a year in losses across Homestead Meadows South: $824K to buildings, the rest to people and crops.
Does Homestead Meadows South flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Homestead Meadows South. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Homestead Meadows South isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: El Paso County.The storms Homestead Meadows South remembers
None of the 10 disasters declared for El Paso County shows FEMA aid or repair money reaching Homestead Meadows South itself in FEMA’s records, so these are its biggest flood-claim years.
El Paso County has had 10 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.
Homestead Meadows South and its neighbors
Homestead Meadows South is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Homestead Meadows North | Bless damage than 56% | river and rain flooding | — |
| Homestead Meadows South | B−less damage than 55% | river and rain flooding | 0 |
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.
Get ready for what Homestead Meadows South faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Homestead Meadows South
Is Homestead Meadows South at risk for natural disasters?
On FEMA’s National Risk Index, Homestead Meadows South has lower expected damage per building than 55% of U.S. towns: B− for hazard risk, #279 of 642 in Texas. Most of the expected damage is river and rain flooding (84%) and hail (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Homestead Meadows South 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 El Paso County, 1.1% of all homes carry federal flood insurance.
How much is flood insurance in Homestead Meadows South?
FEMA’s Community Rating System list shows no discount for Homestead Meadows South’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Homestead Meadows South at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Homestead Meadows South’s rate for it is higher than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Homestead Meadows South.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Homestead Meadows South’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.