Photo: WhisperToMe · Public domainOn FEMA’s figures, Jersey Village faces more hazard damage per building than 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Jersey Village gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns, #599 of 642 in Texas. Most of that expected damage is river and rain flooding (72%), then hurricanes (24%). Flood insurance has paid 803 claims here since 1980.
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 Jersey Village’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Jersey Village 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 Jersey Village’s grade
River and rain flooding is 72% of the building damage FEMA expects in Jersey Village, and Jersey Village’s rate of river and rain flooding damage is higher than 86% of U.S. census tracts. Next is hurricanes at 24% (higher than 88% of U.S. census tracts).
C− #599 of 642 in Texas; higher expected damage per building than 84% of U.S. towns (21,298).
Jersey Village’s residents live in 5 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, Jersey Village has more expected damage per building than 93% of Texas towns.
In dollars, FEMA expects about $5.5M a year in losses across Jersey Village: $4.4M to buildings, the rest to people and crops.
Does Jersey Village flood? Yes: 803 flood claims since 1980
Every paid claim on a federal flood insurance policy in Jersey Village, from FEMA’s records: 209.8 per 1,000 homes, more than 98% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Allison315 claims · $21.7M
- The Spring severe storms214 claims · $17.0M
- The Heavy rains104 claims · $3.8M
Jersey Village is in FEMA’s Community Rating System (class 5) for its flood-proofing work.
Insurance rates: Harris County.11 federal disasters brought FEMA money to Jersey Village
Disasters that paid out in Jersey Village itself (aid to households or repair grants to the City of Jersey Village), newest first, with that year’s flood claims.
- 2024Hurricane Beryl401 households applied for aid$227K aid approved$244K to the City of Jersey Village for repairs
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding224 households applied for aid$98K aid approved$269K to the City of Jersey Village for repairs
- 2021Severe Winter Storms95 households applied for aid$22K aid approved$4K to the City of Jersey Village for repairs
- 2020Tropical Storms Marco and Laura$68K to the City of Jersey Village for repairs
- 2017Hurricane Harvey151 households applied for aid$29K aid approved$72K to the City of Jersey Village for repairs11 flood claims paid for it, $192K
- 2016Severe Storms and Flooding76 households applied for aid$204K aid approved$161K to the City of Jersey Village for repairs214 flood claims paid that year
Show all 11
- 2008Hurricane Ike24 households applied for aid$900 aid approved$797K to the City of Jersey Village for repairs5 flood claims paid that year
- 2005Hurricane Rita2 households applied for aid$2K aid approved$51K to the City of Jersey Village for repairs
- 2005Hurricane Rita$23K to the City of Jersey Village for repairs
- 2002Severe Storms, Tornadoes and Flooding2 households applied for aid$2K aid approved104 flood claims paid that year
- 2001Tx-tropical Storm Allison-06-06-2001$188K to the City of Jersey Village for repairs315 flood claims paid for it, $21.7M
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 Jersey Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Jersey Village archive →Jersey Village and its neighbors
Jersey Village has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Jersey Village | C−more damage than 84% | river and rain flooding | 803 |
| Houston | Dmore damage than 87% | river and rain flooding | 71,124 |
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 Jersey Village 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.
- Jersey Village residents get 25% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Jersey Village
Is Jersey Village at risk for natural disasters?
On FEMA’s National Risk Index, Jersey Village has higher expected damage per building than 84% of U.S. towns: C− for hazard risk, #599 of 642 in Texas. Most of the expected damage is river and rain flooding (72%) and hurricanes (24%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Jersey Village flood?
Flood insurance has paid 803 claims in Jersey Village since 1980, $47.8M in all, or 209.8 per 1,000 homes, more than 98% of U.S. towns with a flood insurance record. 161 properties have flooded more than once. The most claims came from Tropical Storm Allison (315).
Is Jersey Village 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 Jersey Village?
Jersey Village is in FEMA’s Community Rating System (class 5), which takes 25% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Jersey Village?
By FEMA money that reached Jersey Village, Hurricane Ike (2008): 24 households applied for aid, $900 approved, and $797K to the City of Jersey Village for repairs. By flood claims, Tropical Storm Allison: 315 paid, $21.7M.
Is Jersey Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Jersey Village’s rate for it is higher than 86% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Jersey Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Jersey Village’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.