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Moulton, TX, USA - panoramioPhoto: KenB · CC BY-SA 3.0
–Not graded
Natural hazards in Moulton · FEMA

Storms, floods and disasters in Moulton

Moulton isn’t graded for hazard risk: Moulton has 884 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2002.

Flood claims
1
paid since 2002 · $7K
Disasters paid out here
2
of 14 declared for Lavaca County
By hazard

What Moulton 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

58%of expected building damage
About average · higher than 58% of U.S. census tracts
Recorded about 4 times a year in the area

Hurricanes

33%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once every 11 years in the area

Tornadoes

5%of expected building damage
Above average · higher than 63% of U.S. census tracts
Recorded about once every 16 years in the area
Smaller shares here
 Strong wind Hail Wildfire Earthquakes Lightning Winter storms Ice storms Cold waves 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 21% of Moulton’s expected losses. Cold waves do little damage to buildings (0.0%), 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.
Flood insurance claims

Does Moulton flood? Rarely: 1 flood claim since 2002

Every paid claim on a federal flood insurance policy in Moulton, from FEMA’s records.

Paid flood claims, by year
2002: 1 claim2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2002
20022026
Biggest named events
  • The Heavy rains1 claim · $7K
1
paid claims since 2002
$7K
paid to owners
0
homes flooded more than once
$7K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Lavaca County.
Disasters

2 federal disasters brought FEMA money to Moulton

Disasters that paid out in Moulton itself (aid to households or repair grants to the Town of Moulton), newest first, with that year’s flood claims.

  1. 2021Severe Winter Storms16 households applied for aid$1K aid approved$5K to the Town of Moulton for repairs
  2. 2017Hurricane Harvey23 households applied for aid$9K aid approved
Disasters declared, by decade
Paid out in MoultonLavaca County only

Lavaca County has had 14 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 Moulton after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Moulton archive →
Be ready

Get ready for what Moulton faces

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

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 ↗
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 ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
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 Moulton

Does Moulton flood?

Flood insurance has paid 1 claim in Moulton since 2002, $7K in all. The most claims came from Heavy rains (1).

Is Moulton 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 Lavaca County, 17% of homes in mapped flood zones carry federal flood insurance, and 1.5% of all homes do.

How much is flood insurance in Moulton?

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

By FEMA money that reached Moulton, Hurricane Harvey (2017): 23 households applied for aid, $9K approved. By flood claims, Heavy rains: 1 paid, $7K.

Storm stories

Memories, warnings and help from neighbors in Moulton.

Town Square →
Start the conversation

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