Photo: Stedil · CC BY-SA 4.0FEMA puts Patton Village’s expected hazard damage per building above that of 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Patton Village gets a D for hazard risk: higher expected damage per building than 88% of U.S. towns. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 97 claims here since 1989.
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 stands out about Patton Village’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Patton 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 Patton Village’s grade
River and rain flooding is 86% of the building damage FEMA expects in Patton Village, and Patton Village’s rate of river and rain flooding damage is in the top 7% of U.S. census tracts. Next is hurricanes at 7% (higher than 83% of U.S. census tracts).
D higher expected damage per building than 88% of U.S. towns (21,298).
Patton Village’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $709K a year in losses across Patton Village: $430K to buildings, the rest to people and crops.
Does Patton Village flood? Sometimes: 97 flood claims since 1989
Every paid claim on a federal flood insurance policy in Patton Village, from FEMA’s records: 153.7 per 1,000 homes, more than 98% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Imelda39 claims · $2.1M
- Hurricane Harvey26 claims · $1.2M
- The Spring severe storms3 claims · $111K
Patton 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.8 federal disasters brought FEMA money to Patton Village
Disasters that paid out in Patton Village itself (aid to households or repair grants to the City of Patton Village), newest first, with that year’s flood claims.
- 2024Hurricane Beryl21 households applied for aid$10K aid approved$16K to the City of Patton Village for repairs
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding2 households applied for aid$2K aid approved$36K to the City of Patton Village for repairs
- 2021Severe Winter Storms1 households applied for aid$4K aid approved
- 2017Hurricane Harvey10 households applied for aid$109K aid approved$2.2M to the City of Patton Village for repairs26 flood claims paid for it, $1.2M
- 2016Severe Storms and Flooding$524K to the City of Patton Village for repairs
- 2016Severe Storms and Flooding$19K to the City of Patton Village for repairs
Show all 8
- 2008Hurricane Ike$160K to the City of Patton Village for repairs1 flood claim paid for it, $1K
- 2005Hurricane Rita$12K to the City of Patton Village for repairs
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 Patton Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Patton Village archive →Patton Village and its neighbors
Patton Village is 2nd of the 3 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 |
|---|---|---|---|
| Roman Forest | C−more damage than 85% | river and rain flooding | 78 |
| Patton Village | Dmore damage than 88% | river and rain flooding | 97 |
| Woodbranch | Dmore damage than 89% | river and rain flooding | 214 |
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 Patton 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 Patton Village
Is Patton Village at risk for natural disasters?
On FEMA’s National Risk Index, Patton Village has higher expected damage per building than 88% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (86%) and hurricanes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Patton Village flood?
Flood insurance has paid 97 claims in Patton Village since 1989, $4.1M in all, or 153.7 per 1,000 homes, more than 98% of U.S. towns with a flood insurance record. 17 properties have flooded more than once. The most claims came from Tropical Storm Imelda (39).
Is Patton 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 Patton Village?
FEMA’s Community Rating System list shows no discount for Patton 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 Patton Village?
By FEMA money that reached Patton Village, Hurricane Harvey (2017): 10 households applied for aid, $109K approved, and $2.2M to the City of Patton Village for repairs. By flood claims, Tropical Storm Imelda: 39 paid, $2.1M.
Is Patton Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Patton Village’s rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Patton Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Patton 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.