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–Not graded
Natural hazards in Hull · FEMA

Storms, floods and disasters in Hull

Hull isn’t graded for hazard risk: Hull has 275 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
11
of 31 declared for Liberty County
By hazard

What Hull 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

50%of expected building damage
About average · lower than 55% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

32%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

10%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once every 9 years in the area

Wildfire

5%of expected building damage
Well above average · in the top 7% of U.S. census tracts
Smaller shares here
 Ice storms Strong wind Earthquakes Hail Winter storms Cold waves 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 26% of Hull’s expected losses. Tornadoes do little damage to buildings (10.5%), 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.
Flood insurance claims

Does Hull flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Hull. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Liberty County.
What’s been done with FEMA grants
1flood-prone property bought out and cleared
Disasters

11 federal disasters brought FEMA money to Hull

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

  1. 2024Hurricane Beryl123 households applied for aid$105K aid approved
  2. 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding36 households applied for aid$105K aid approved
  3. 2021Severe Winter Storms20 households applied for aid$13K aid approved
  4. 2019Tropical Storm Imelda28 households applied for aid$23K aid approved
  5. 2017Hurricane Harvey303 households applied for aid$731K aid approved
  6. 2016Severe Storms and Flooding5 households applied for aid$7K aid approved
Show all 11
  1. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding25 households applied for aid$82K aid approved
  2. 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding3 households applied for aid$250 aid approved
  3. 2008Hurricane Ike442 households applied for aid$877K aid approved
  4. 2005Hurricane Rita819 households applied for aid$1.2M aid approved
  5. 2002Severe Storms, Tornadoes and Flooding43 households applied for aid$155K aid approved
Disasters declared, by decade
Paid out in HullLiberty County only

Liberty County has had 31 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 Liberty County, 2000–2000.

Were you here?

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

Add to the Hull archive →
Be ready

Get ready for what Hull 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 ↗
Wildfire
  • 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.
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 Hull

Is Hull 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 Liberty County, 19% of homes in mapped flood zones carry federal flood insurance, and 5.9% of all homes do.

How much is flood insurance in Hull?

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

By FEMA money that reached Hull, Hurricane Rita (2005): 819 households applied for aid, $1.2M approved.

Storm stories

Memories, warnings and help from neighbors in Hull.

Town Square →
Start the conversation

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