On FEMA’s figures, Panorama Village faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Panorama Village gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns, #297 of 642 in Texas. Most of that expected damage is river and rain flooding (73%), then hurricanes (13%). Flood insurance has paid 37 claims here since 1994.
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 Panorama Village 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
Tornadoes
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 Panorama Village’s grade
River and rain flooding is 73% of the building damage FEMA expects in Panorama Village, and Panorama Village’s rate of river and rain flooding damage is higher than 57% of U.S. census tracts. Next is hurricanes at 13% (higher than 82% of U.S. census tracts).
B− #297 of 642 in Texas; lower expected damage per building than 53% of U.S. towns (21,298).
Panorama Village’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, Panorama Village has less expected damage per building than 54% of Texas towns.
In dollars, FEMA expects about $761K a year in losses across Panorama Village: $388K to buildings, the rest to people and crops.
Does Panorama Village flood? Sometimes: 37 flood claims since 1994
Every paid claim on a federal flood insurance policy in Panorama Village, from FEMA’s records: 33.9 per 1,000 homes, more than 89% of the 13,809 U.S. towns with a flood insurance record.
- The Early summer severe storms16 claims · $590K
- The Early summer storms7 claims · $143K
- Tropical Storm Allison4 claims · $109K
Panorama Village isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.7 federal disasters brought FEMA money to Panorama Village
Disasters that paid out in Panorama Village itself (aid to households or repair grants to the City of Panorama Village), newest first, with that year’s flood claims.
- 2024Hurricane Beryl15 households applied for aid$18K aid approved$15K to the City of Panorama Village for repairs1 flood claim paid for it, $62K
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding1 households applied for aid$522K to the City of Panorama Village for repairs
- 2017Hurricane Harvey3 households applied for aid$16K aid approved$1.2M to the City of Panorama Village for repairs
- 2016Severe Storms and Flooding1 households applied for aid$82K to the City of Panorama Village for repairs17 flood claims paid that year
- 2008Hurricane Ike9 households applied for aid$61K to the City of Panorama Village for repairs
- 2005Hurricane Rita1 households applied for aid$219 aid approved$15K to the City of Panorama Village for repairs
Show all 7
- 2001Tx-tropical Storm Allison-06-06-2001$147K to the City of Panorama Village for repairs4 flood claims paid for it, $109K
Montgomery County has had 28 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Montgomery County, 2000–2025.
Old photos of Panorama Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Panorama Village archive →Get ready for what Panorama Village 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.
- 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.
- 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 Panorama Village
Is Panorama Village at risk for natural disasters?
On FEMA’s National Risk Index, Panorama Village has lower expected damage per building than 53% of U.S. towns: B− for hazard risk, #297 of 642 in Texas. Most of the expected damage is river and rain flooding (73%) and hurricanes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Panorama Village flood?
Flood insurance has paid 37 claims in Panorama Village since 1994, $1.0M in all, or 33.9 per 1,000 homes, more than 89% of U.S. towns with a flood insurance record. 7 properties have flooded more than once. The most claims came from Early summer severe storms (16).
Is Panorama Village 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 Montgomery County, 36% of homes in mapped flood zones carry federal flood insurance, and 10.7% of all homes do.
How much is flood insurance in Panorama Village?
FEMA’s Community Rating System list shows no discount for Panorama Village’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 Panorama Village?
By FEMA money that reached Panorama Village, Hurricane Harvey (2017): 3 households applied for aid, $16K approved, and $1.2M to the City of Panorama Village for repairs. By flood claims, Early summer severe storms: 16 paid, $590K.
Is Panorama Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Panorama Village’s rate for it is higher than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Panorama Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Panorama Village’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.