Photo: WhisperToMe · Public domainMore hazard damage per building is expected in Jacinto City than in 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Jacinto City gets a C− for hazard risk: higher expected damage per building than 85% of U.S. towns, #605 of 642 in Texas. Most of that expected damage is river and rain flooding (68%), then hurricanes (27%). Flood insurance has paid 176 claims here since 1979.
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 Jacinto City’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Jacinto City 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
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 Jacinto City’s grade
River and rain flooding is 68% of the building damage FEMA expects in Jacinto City, and Jacinto City’s rate of river and rain flooding damage is higher than 86% of U.S. census tracts. Next is hurricanes at 27% (higher than 89% of U.S. census tracts).
C− #605 of 642 in Texas; higher expected damage per building than 85% of U.S. towns (21,298).
Jacinto City’s 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, Jacinto City has more expected damage per building than 94% of Texas towns.
In dollars, FEMA expects about $3.8M a year in losses across Jacinto City: $2.6M to buildings, the rest to people and crops.
Does Jacinto City flood? Yes: 176 flood claims since 1979
Every paid claim on a federal flood insurance policy in Jacinto City, from FEMA’s records: 52.7 per 1,000 homes, more than 93% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Harvey60 claims · $4.7M
- Tropical Storm Allison30 claims · $849K
- Hurricane Ike9 claims · $262K
Jacinto City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Harris County.8 federal disasters brought FEMA money to Jacinto City
Disasters that paid out in Jacinto City itself (aid to households or repair grants to the City of Jacinto City), newest first, with that year’s flood claims.
- 2024Hurricane Beryl118 households applied for aid$98K aid approved$214K to the City of Jacinto City for repairs
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding73 households applied for aid$110K aid approved$312K to the City of Jacinto City for repairs
- 2021Severe Winter Storms12 households applied for aid$12K aid approved2 flood claims paid that year
- 2017Hurricane Harvey123 households applied for aid$234K aid approved$380K to the City of Jacinto City for repairs60 flood claims paid for it, $4.7M
- 2008Hurricane Ike7 households applied for aid$577K to the City of Jacinto City for repairs9 flood claims paid for it, $262K
- 2005Hurricane Rita31 households applied for aid$12K aid approved$23K to the City of Jacinto City for repairs
Show all 8
- 2005Hurricane Rita$9K to the City of Jacinto City for repairs
- 2001Tx-tropical Storm Allison-06-06-2001$317K to the City of Jacinto City for repairs30 flood claims paid for it, $849K
Harris County has had 34 natural disasters declared by the President since 1953, most often floods, then severe storms. 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 Harris County, 2011–2011.
Old photos of Jacinto City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Jacinto City archive →Jacinto City and its neighbors
Jacinto City 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 |
|---|---|---|---|
| Galena Park | Cmore damage than 70% | river and rain flooding | 149 |
| Jacinto City | C−more damage than 85% | river and rain flooding | 176 |
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 Jacinto City 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.
- 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 Jacinto City
Is Jacinto City at risk for natural disasters?
On FEMA’s National Risk Index, Jacinto City has higher expected damage per building than 85% of U.S. towns: C− for hazard risk, #605 of 642 in Texas. Most of the expected damage is river and rain flooding (68%) and hurricanes (27%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Jacinto City flood?
Flood insurance has paid 176 claims in Jacinto City since 1979, $7.8M in all, or 52.7 per 1,000 homes, more than 93% of U.S. towns with a flood insurance record. 17 properties have flooded more than once. The most claims came from Hurricane Harvey (60).
Is Jacinto City 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 Harris County, 48% of homes in mapped flood zones carry federal flood insurance, and 16.6% of all homes do.
How much is flood insurance in Jacinto City?
FEMA’s Community Rating System list shows no discount for Jacinto City’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 Jacinto City?
By FEMA money that reached Jacinto City, Hurricane Harvey (2017): 123 households applied for aid, $234K approved, and $380K to the City of Jacinto City for repairs. By flood claims, Hurricane Harvey: 60 paid, $4.7M.
Is Jacinto City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Jacinto City’s rate for it is higher than 86% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Jacinto City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Jacinto City’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.