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C−Hazard risk
Natural hazards in Murillo · FEMA

FEMA puts Murillo’s expected hazard damage per building above that of 75% of U.S. towns, mostly from hurricanes

On FEMA’s National Risk Index, Murillo gets a C− for hazard risk: higher expected damage per building than 75% of U.S. towns, #512 of 642 in Texas. Most of that expected damage is hurricanes (61%), then river and rain flooding (31%). Flood insurance has paid 11 claims here since 2015.

Hurricanes 61%River and rain flooding 31%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 75%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#512 of 642 in Texas
Hazard risk
C−#512 of 642
in Texas · higher than 75% of U.S. towns
Main hazard
Hurricanes
61% of expected building damage
Flood claims
11
paid since 2015 · $890K
Flood claims per home
4 per 1,000
more than 54% of U.S. towns
By hazard

What Murillo faces

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

Hurricanes

61%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

31%of expected building damage
Below average · lower than 75% of U.S. census tracts
Recorded about 2 times a year in the area

Hail

5%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once every 2 years in the area
Smaller shares here
 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 29% of Murillo’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 Murillo’s grade

Hurricanes are 61% of the building damage FEMA expects in Murillo, and Murillo’s rate of hurricanes damage is in the top 6% of U.S. census tracts. Next is river and rain flooding at 31% (lower than 75% of U.S. census tracts).

Where Murillo sits
Murillo
Least damageMiddleMost damage

C− #512 of 642 in Texas; higher expected damage per building than 75% of U.S. towns (21,298).

Murillo’s residents live in 7 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
Hurricanes61%River and rain flooding31%Hail5%Everything else3%

The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Murillo has more expected damage per building than 80% of Texas towns.

In dollars, FEMA expects about $2.3M a year in losses across Murillo: $1.3M to buildings, the rest to people and crops.

A firm figure. It combines 7 census tracts by where Murillo’s 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 Murillo flood? Sometimes: 11 flood claims since 2015

Every paid claim on a federal flood insurance policy in Murillo, from FEMA’s records: 3.8 per 1,000 homes, more than 54% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2015: 3 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 5 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 3 claims2026: 0 claims201520202025
20152026
Biggest named events
  • Hurricane Hanna4 claims · $48K
  • Tropical Storm Bill2 claims · $70K
  • The Early summer storms1 claim · $3K
11
paid claims since 2015
$890K
paid to owners
0
homes flooded more than once
$81K
average claim
of all homes are insured
No community discount

Murillo 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 Murillo remembers

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

  1. 20205 flood claims paidThe year of Hurricane Hanna, declared for Hidalgo County
  2. 20153 flood claims paidThe year of Severe Storms, Tornadoes, Straight-line Winds, and Flooding, declared for Hidalgo County
  3. 20253 flood claims paidThe year of Severe Storms and Flooding, declared for Hidalgo County
Disasters declared, by decade
Paid out in MurilloHidalgo 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 Murillo after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Murillo archive →
Next door

Murillo and its neighbors

Murillo is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Edinburg: hazard risk C−Lopezville: hazard risk C−César Chávez: hazard risk C−EdinburgLopezvilleCésar ChávezMurillo
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
EdinburgC−more damage than 75%hurricanes349
LopezvilleC−more damage than 75%hurricanes—
MurilloC−more damage than 75%hurricanes11
César ChávezC−more damage than 79%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 Murillo 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 ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
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 Murillo

Is Murillo at risk for natural disasters?

On FEMA’s National Risk Index, Murillo has higher expected damage per building than 75% of U.S. towns: C− for hazard risk, #512 of 642 in Texas. Most of the expected damage is hurricanes (61%) and river and rain flooding (31%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Murillo flood?

Flood insurance has paid 11 claims in Murillo since 2015, $890K in all, or 3.8 per 1,000 homes, more than 54% of U.S. towns with a flood insurance record. The most claims came from Hurricane Hanna (4).

Is Murillo 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 Murillo?

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

By flood claims, Hurricane Hanna: 4 paid, $48K.

Is Murillo at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (61%), and Murillo’s rate for it is in the top 6% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Murillo.

Town Square →
Start the conversation

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