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C−Hazard risk
Natural hazards in Llano Grande · FEMA

On FEMA’s figures, Llano Grande faces more hazard damage per building than 79% of U.S. towns, mostly from hurricanes

On FEMA’s National Risk Index, Llano Grande gets a C− for hazard risk: higher expected damage per building than 79% of U.S. towns. Most of that expected damage is hurricanes (56%), then river and rain flooding (37%). Flood insurance has paid 9 claims here since 2018.

Hurricanes 56%River and rain flooding 37%Hail 5%

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

more than 79%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Texas · higher than 79% of U.S. towns
Main hazard
Hurricanes
56% of expected building damage
Flood claims
9
paid since 2018 · $401K
Flood claims per home
6 per 1,000
more than 66% of U.S. towns
By hazard

What Llano Grande faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Hurricanes

56%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about once every 9 years in the area

River and rain flooding

37%of expected building damage
About average · lower than 58% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hail Tornadoes Ice storms Strong wind Earthquakes Cold waves Lightning Wildfire Winter storms 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 cold waves at 27% of Llano Grande’s expected losses. Cold waves do little damage to buildings (0.1%), 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.
Hazard risk grade

What’s behind Llano Grande’s grade

Hurricanes are 56% of the building damage FEMA expects in Llano Grande, and Llano Grande’s rate of hurricanes damage is in the top 6% of U.S. census tracts. Next is river and rain flooding at 37% (lower than 58% of U.S. census tracts).

Where Llano Grande sits
Llano Grande
Least damageMiddleMost damage

C− higher expected damage per building than 79% of U.S. towns (21,298).

Llano Grande’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
Hurricanes56%River and rain flooding37%Hail5%Everything else2%

In dollars, FEMA expects about $932K a year in losses across Llano Grande: $524K to buildings, the rest to people and crops.

A small-area figure. Llano Grande covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Llano Grande flood? Rarely: 9 flood claims since 2018

Every paid claim on a federal flood insurance policy in Llano Grande, from FEMA’s records: 6.5 per 1,000 homes, more than 66% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2018: 4 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 5 claims2026: 0 claims20182025
20182026
9
paid claims since 2018
$401K
paid to owners
0
homes flooded more than once
$45K
average claim
of all homes are insured
No community discount

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

Insurance rates: Hidalgo County.
Disasters

The storms Llano Grande remembers

None of the 26 disasters declared for Hidalgo County shows FEMA aid or repair money reaching Llano Grande itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20255 flood claims paidThe year of Severe Storms and Flooding, declared for Hidalgo County
  2. 20184 flood claims paidThe year of Severe Storms and Flooding, declared for Hidalgo County
Disasters declared, by decade
Paid out in Llano GrandeHidalgo County only

Hidalgo County has had 26 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.

Were you here?

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

Add to the Llano Grande archive →
Next door

Llano Grande and its neighbors

Llano Grande is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Weslaco: hazard risk CWeslacoLlano Grande
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
WeslacoCmore damage than 71%hurricanes396
Llano GrandeC−more damage than 79%hurricanes9

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.

Be ready

Get ready for what Llano Grande faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

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 ↗
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 ↗
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 Llano Grande

Is Llano Grande at risk for natural disasters?

On FEMA’s National Risk Index, Llano Grande has higher expected damage per building than 79% of U.S. towns: C− for hazard risk. Most of the expected damage is hurricanes (56%) and river and rain flooding (37%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Llano Grande flood?

Flood insurance has paid 9 claims in Llano Grande since 2018, $401K in all, or 6.5 per 1,000 homes, more than 66% of U.S. towns with a flood insurance record.

Is Llano Grande 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 Hidalgo County, 3.7% of all homes carry federal flood insurance.

How much is flood insurance in Llano Grande?

FEMA’s Community Rating System list shows no discount for Llano Grande’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Llano Grande at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (56%), and Llano Grande’s rate for it is in the top 6% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Llano Grande.

Town Square →
Start the conversation

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