Less hazard damage per building is expected in Medina than in 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Medina gets an A for hazard risk: lower expected damage per building than 92% of U.S. towns, #37 of 642 in Texas. Most of that expected damage is river and rain flooding (74%), then hurricanes (11%). FEMA’s files show no paid flood insurance claims here.
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 Medina 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
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 Medina’s grade
River and rain flooding is 74% of the building damage FEMA expects in Medina, and Medina’s rate of river and rain flooding damage is lower than 73% of U.S. census tracts. Next is hurricanes at 11% (higher than 71% of U.S. census tracts).
A #37 of 642 in Texas; lower expected damage per building than 92% of U.S. towns (21,298).
Medina’s residents live in 2 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, Medina has less expected damage per building than 94% of Texas towns.
In dollars, FEMA expects about $1.5M a year in losses across Medina: $422K to buildings, the rest to people and crops.
Does Medina flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Medina. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Medina isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Zapata County.1 federal disaster brought FEMA money to Medina
Disasters that paid out in Medina itself (aid to households or repair grants to Medina), newest first, with that year’s flood claims.
- 2021Severe Winter Storms6 households applied for aid$13K aid approved
Zapata County has had 8 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Zapata County, 2008–2008.
Old photos of Medina after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Medina archive →Medina and its neighbors
Medina 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 |
|---|---|---|---|
| Zapata | A+less damage than 98% | river and rain flooding | — |
| Medina | Aless damage than 92% | river and rain flooding | 0 |
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 Medina 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.
- 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 Medina
Is Medina at risk for natural disasters?
On FEMA’s National Risk Index, Medina has lower expected damage per building than 92% of U.S. towns: A for hazard risk, #37 of 642 in Texas. Most of the expected damage is river and rain flooding (74%) and hurricanes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Medina 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 Zapata County, 4% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Medina?
FEMA’s Community Rating System list shows no discount for Medina’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 Medina?
By FEMA money that reached Medina, Severe Winter Storms (2021): 6 households applied for aid, $13K approved.
Is Medina at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Medina’s rate for it is lower than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Medina.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Medina’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.