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C−Hazard risk
Natural hazards in Mila Doce · FEMA

FEMA puts Mila Doce’s expected hazard damage per building above that of 76% of U.S. towns, mostly from hurricanes

On FEMA’s National Risk Index, Mila Doce gets a C− for hazard risk: higher expected damage per building than 76% of U.S. towns, #523 of 642 in Texas. Most of that expected damage is hurricanes (60%), then river and rain flooding (32%). Flood insurance has paid 16 claims here since 2018.

Hurricanes 60%River and rain flooding 32%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 76%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#523 of 642 in Texas
Hazard risk
C−#523 of 642
in Texas · higher than 76% of U.S. towns
Main hazard
Hurricanes
60% of expected building damage
Flood claims
16
paid since 2018 · $677K
Flood claims per home
9 per 1,000
more than 71% of U.S. towns
By hazard

What Mila Doce faces

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

Hurricanes

60%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about once every 8 years in the area

River and rain flooding

32%of expected building damage
Below average · lower than 72% 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 37% of Mila Doce’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 Mila Doce’s grade

Hurricanes are 60% of the building damage FEMA expects in Mila Doce, and Mila Doce’s rate of hurricanes damage is in the top 6% of U.S. census tracts. Next is river and rain flooding at 32% (lower than 72% of U.S. census tracts).

Where Mila Doce sits
Mila Doce
Least damageMiddleMost damage

C− #523 of 642 in Texas; higher expected damage per building than 76% of U.S. towns (21,298).

Mila Doce’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
Hurricanes60%River and rain flooding32%Hail5%Everything else2%

The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Mila Doce has more expected damage per building than 81% of Texas towns.

In dollars, FEMA expects about $1.6M a year in losses across Mila Doce: $690K to buildings, the rest to people and crops.

A small-area figure. Mila Doce covers 4 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 Mila Doce flood? Sometimes: 16 flood claims since 2018

Every paid claim on a federal flood insurance policy in Mila Doce, from FEMA’s records: 8.5 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2018: 2 claims2019: 2 claims2020: 10 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 2 claims2026: 0 claims201820192020
20182026
Biggest named events
  • Hurricane Hanna10 claims · $392K
16
paid claims since 2018
$677K
paid to owners
0
homes flooded more than once
$42K
average claim
of all homes are insured
No community discount

Mila Doce 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 Mila Doce remembers

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

  1. 202010 flood claims paidThe year of Hurricane Hanna, declared for Hidalgo County
  2. 20182 flood claims paidThe year of Severe Storms and Flooding, declared for Hidalgo County
  3. 20192 flood claims paidThe year of Severe Storms and Flooding, declared for Hidalgo County
Disasters declared, by decade
Paid out in Mila DoceHidalgo 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 Mila Doce after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Mila Doce archive →
Next door

Mila Doce and its neighbors

Mila Doce is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Olivarez: hazard risk C−Weslaco: hazard risk COlivarezWeslacoMila Doce
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
WeslacoCmore damage than 71%hurricanes396
Mila DoceC−more damage than 76%hurricanes16
OlivarezC−more damage than 76%hurricanes—

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 Mila Doce 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 Mila Doce

Is Mila Doce at risk for natural disasters?

On FEMA’s National Risk Index, Mila Doce has higher expected damage per building than 76% of U.S. towns: C− for hazard risk, #523 of 642 in Texas. Most of the expected damage is hurricanes (60%) and river and rain flooding (32%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Mila Doce flood?

Flood insurance has paid 16 claims in Mila Doce since 2018, $677K in all, or 8.5 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record. The most claims came from Hurricane Hanna (10).

Is Mila Doce 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 Mila Doce?

FEMA’s Community Rating System list shows no discount for Mila Doce’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 Mila Doce?

By flood claims, Hurricane Hanna: 10 paid, $392K.

Is Mila Doce at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (60%), and Mila Doce’s rate for it is in the top 6% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Mila Doce.

Town Square →
Start the conversation

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