FEMA puts Palmhurst’s expected hazard damage per building above that of 74% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Palmhurst gets a C for hazard risk: higher expected damage per building than 74% of U.S. towns, #502 of 642 in Texas. Most of that expected damage is hurricanes (61%), then river and rain flooding (31%). 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 Palmhurst faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Hail
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 Palmhurst’s grade
Hurricanes are 61% of the building damage FEMA expects in Palmhurst, and Palmhurst’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 77% of U.S. census tracts).
C #502 of 642 in Texas; higher expected damage per building than 74% of U.S. towns (21,298).
Palmhurst’s residents live in 4 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, Palmhurst has more expected damage per building than 78% of Texas towns.
In dollars, FEMA expects about $880K a year in losses across Palmhurst: $589K to buildings, the rest to people and crops.
Does Palmhurst flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Palmhurst. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Palmhurst 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.5 federal disasters brought FEMA money to Palmhurst
Disasters that paid out in Palmhurst itself (aid to households or repair grants to the City of Palmhurst), newest first, with that year’s flood claims.
- 2025Severe Storms and Flooding1 households applied for aid$18K aid approved
- 2018Severe Storms and Flooding11 households applied for aid$8K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding2 households applied for aid$9K aid approved
- 2010Hurricane Alex$7K to the City of Palmhurst for repairs
- 2008Hurricane Dolly35 households applied for aid$11K aid approved$18K to the City of Palmhurst for repairs
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.
Old photos of Palmhurst after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Palmhurst archive →Palmhurst and its neighbors
Palmhurst 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 |
|---|---|---|---|
| Mission | Cmore damage than 74% | hurricanes | 282 |
| Palmhurst | Cmore damage than 74% | hurricanes | 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 Palmhurst faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- 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 Palmhurst
Is Palmhurst at risk for natural disasters?
On FEMA’s National Risk Index, Palmhurst has higher expected damage per building than 74% of U.S. towns: C for hazard risk, #502 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.
Is Palmhurst 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 Palmhurst?
FEMA’s Community Rating System list shows no discount for Palmhurst’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 Palmhurst?
By FEMA money that reached Palmhurst, Hurricane Dolly (2008): 35 households applied for aid, $11K approved, and $18K to the City of Palmhurst for repairs.
Is Palmhurst at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (61%), and Palmhurst’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Palmhurst.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Palmhurst’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.