Durazno Plantation · Photo: Renelibrary · CC BY-SA 4.0FEMA expects more hazard damage per building in Jones Creek than in 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Jones Creek gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns. Most of that expected damage is river and rain flooding (54%), then hurricanes (32%). Flood insurance has paid 124 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 Jones Creek’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Jones Creek 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
Wildfire
Coastal flooding
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 Jones Creek’s grade
River and rain flooding is 54% of the building damage FEMA expects in Jones Creek, and Jones Creek’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Hurricanes add 32%, at a rate in the top 10% of U.S. census tracts.
C− higher expected damage per building than 84% of U.S. towns (21,298).
All of Jones Creek’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $944K a year in losses across Jones Creek: $620K to buildings, the rest to people and crops.
Does Jones Creek flood? Yes: 124 flood claims since 1979
Every paid claim on a federal flood insurance policy in Jones Creek, from FEMA’s records: 147.4 per 1,000 homes, more than 97% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Harvey29 claims · $3.8M
- Tropical Storm Claudette17 claims · $109K
- The Early summer severe storms7 claims · $157K
Jones Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Brazoria County.8 federal disasters brought FEMA money to Jones Creek
Disasters that paid out in Jones Creek itself (aid to households or repair grants to the Village of Jones Creek), newest first, with that year’s flood claims.
- 2024Hurricane Beryl309 households applied for aid$586K aid approved$1.5M to the Village of Jones Creek for repairs2 flood claims paid that year
- 2021Severe Winter Storms21 households applied for aid$13K aid approved1 flood claim paid that year
- 2017Hurricane Harvey256 households applied for aid$839K aid approved$166K to the Village of Jones Creek for repairs29 flood claims paid for it, $3.8M
- 2016Severe Storms and Flooding14 households applied for aid$69K aid approved$77K to the Village of Jones Creek for repairs11 flood claims paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding2 households applied for aid$4K aid approved
- 2008Hurricane Ike149 households applied for aid$31K aid approved$31K to the Village of Jones Creek for repairs1 flood claim paid for it, $2K
Show all 8
- 2005Hurricane Rita24 households applied for aid$2K aid approved
- 2002Severe Storms, Tornadoes and Flooding2 households applied for aid$8K aid approved21 flood claims paid that year
Brazoria County has had 28 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Jones Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Jones Creek archive →Get ready for what Jones Creek 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.
- 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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 Jones Creek
Is Jones Creek at risk for natural disasters?
On FEMA’s National Risk Index, Jones Creek has higher expected damage per building than 84% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (54%) and hurricanes (32%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Jones Creek flood?
Flood insurance has paid 124 claims in Jones Creek since 1979, $5.0M in all, or 147.4 per 1,000 homes, more than 97% of U.S. towns with a flood insurance record. 19 properties have flooded more than once. The most claims came from Hurricane Harvey (29).
Is Jones Creek 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 Brazoria County, 43% of homes in mapped flood zones carry federal flood insurance, and 22.5% of all homes do.
How much is flood insurance in Jones Creek?
FEMA’s Community Rating System list shows no discount for Jones Creek’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 Jones Creek?
By FEMA money that reached Jones Creek, Hurricane Beryl (2024): 309 households applied for aid, $586K approved, and $1.5M to the Village of Jones Creek for repairs. By flood claims, Hurricane Harvey: 29 paid, $3.8M.
Is Jones Creek at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Jones Creek’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Jones Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Jones Creek’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.