Keltys Worker Housing · Photo: Renelibrary · CC BY-SA 4.0FEMA expects less hazard damage per building in Hudson than in 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hudson gets a B for hazard risk: lower expected damage per building than 65% of U.S. towns, #212 of 642 in Texas. Most of that expected damage is river and rain flooding (68%), then hurricanes (10%). Flood insurance has paid 2 claims here since 2015.
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 Hudson 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
Hurricanes
Tornadoes
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’s grade
River and rain flooding is 68% of the building damage FEMA expects in Hudson, and Hudson’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Wildfire adds 5%, at a rate in the top 8% of U.S. census tracts.
B #212 of 642 in Texas; lower expected damage per building than 65% of U.S. towns (21,298).
Hudson’s residents live in 4 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 has less expected damage per building than 67% of Texas towns.
In dollars, FEMA expects about $1.1M a year in losses across Hudson: $599K to buildings, the rest to people and crops.
Does Hudson flood? Rarely: 2 flood claims since 2015
Every paid claim on a federal flood insurance policy in Hudson, from FEMA’s records: 0.9 per 1,000 homes, fewer than 80% of the 13,809 U.S. towns with a flood insurance record.
- The Early summer storms1 claim · $36K
Hudson isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Angelina County.5 federal disasters brought FEMA money to Hudson
Disasters that paid out in Hudson itself (aid to households or repair grants to the City of Hudson), newest first, with that year’s flood claims.
- 2021Severe Winter Storms1 households applied for aid$62K to the City of Hudson for repairs
- 2020Tropical Storms Marco and Laura$6K to the City of Hudson for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding$347K to the City of Hudson for repairs1 flood claim paid that year
- 2008Hurricane Ike$358K to the City of Hudson for repairs
- 2005Hurricane Rita2 households applied for aid$79K to the City of Hudson for repairs
Angelina County has had 16 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.
Old photos of Hudson after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hudson archive →Hudson and its neighbors
Hudson 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 |
|---|---|---|---|
| Lufkin | B+less damage than 70% | river and rain flooding | 236 |
| Hudson | Bless damage than 65% | 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 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.
- 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.
- 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.
- 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
Is Hudson at risk for natural disasters?
On FEMA’s National Risk Index, Hudson has lower expected damage per building than 65% of U.S. towns: B for hazard risk, #212 of 642 in Texas. Most of the expected damage is river and rain flooding (68%) and hurricanes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hudson flood?
Flood insurance has paid 2 claims in Hudson since 2015, $108K in all, or 0.9 per 1,000 homes, fewer than 80% of U.S. towns with a flood insurance record. The most claims came from Early summer storms (1).
Is Hudson 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 Angelina County, 25% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Hudson?
FEMA’s Community Rating System list shows no discount for Hudson’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 Hudson?
By FEMA money that reached Hudson, Hurricane Ike (2008): $358K to the City of Hudson for repairs. By flood claims, Early summer storms: 1 paid, $36K.
Is Hudson at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Hudson’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hudson.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hudson’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.