On FEMA’s figures, Hudson Oaks faces less hazard damage per building than 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hudson Oaks gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns, #84 of 642 in Texas. Most of that expected damage is river and rain flooding (64%), then tornadoes (18%). 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 stands out about Hudson Oaks’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Hudson Oaks 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
Tornadoes
Wildfire
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 Hudson Oaks’ grade
River and rain flooding is 64% of the building damage FEMA expects in Hudson Oaks, and Hudson Oaks’ rate of river and rain flooding damage is lower than 78% of U.S. census tracts. Wildfire adds 10%, at a rate in the top 6% of U.S. census tracts.
A− #84 of 642 in Texas; lower expected damage per building than 83% of U.S. towns (21,298).
Hudson Oaks’ residents live in 3 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, Hudson Oaks has less expected damage per building than 87% of Texas towns.
In dollars, FEMA expects about $650K a year in losses across Hudson Oaks: $290K to buildings, the rest to people and crops.
Does Hudson Oaks flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hudson Oaks. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hudson Oaks isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Parker County.1 federal disaster brought FEMA money to Hudson Oaks
Disasters that paid out in Hudson Oaks itself (aid to households or repair grants to the City of Hudson Oaks), newest first, with that year’s flood claims.
- 2021Severe Winter Storms26 households applied for aid$8K aid approved
Parker County has had 19 natural disasters declared by the President since 1953, most often severe 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 Parker County, 2000–2000.
Old photos of Hudson Oaks after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hudson Oaks archive →Hudson Oaks and its neighbors
Hudson Oaks is 2nd of the 3 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 |
|---|---|---|---|
| Weatherford | A−less damage than 85% | river and rain flooding | 39 |
| Hudson Oaks | A−less damage than 83% | river and rain flooding | 0 |
| Willow Park | A−less damage than 77% | river and rain flooding | 2 |
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 Hudson Oaks 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.
- 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Hudson Oaks
Is Hudson Oaks at risk for natural disasters?
On FEMA’s National Risk Index, Hudson Oaks has lower expected damage per building than 83% of U.S. towns: A− for hazard risk, #84 of 642 in Texas. Most of the expected damage is river and rain flooding (64%) and tornadoes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Hudson Oaks 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 Parker County, 19% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Hudson Oaks?
FEMA’s Community Rating System list shows no discount for Hudson Oaks’ 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 Hudson Oaks?
By FEMA money that reached Hudson Oaks, Severe Winter Storms (2021): 26 households applied for aid, $8K approved.
Is Hudson Oaks at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Hudson Oaks’ rate for it is lower than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hudson Oaks.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hudson Oaks’ 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.