More hazard damage per building is expected in Pecan Grove than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Pecan Grove gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns, #447 of 642 in Texas. Most of that expected damage is river and rain flooding (67%), then hurricanes (28%). Flood insurance has paid 94 claims here since 1981.
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 Pecan Grove 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
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 Pecan Grove’s grade
River and rain flooding is 67% of the building damage FEMA expects in Pecan Grove, and Pecan Grove’s rate of river and rain flooding damage is higher than 66% of U.S. census tracts. Next is hurricanes at 28% (higher than 88% of U.S. census tracts).
C #447 of 642 in Texas; higher expected damage per building than 66% of U.S. towns (21,298).
Pecan Grove’s residents live in 5 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, Pecan Grove has more expected damage per building than 70% of Texas towns.
In dollars, FEMA expects about $9.4M a year in losses across Pecan Grove: $6.2M to buildings, the rest to people and crops.
Does Pecan Grove flood? Sometimes: 94 flood claims since 1981
Every paid claim on a federal flood insurance policy in Pecan Grove, from FEMA’s records: 10.7 per 1,000 homes, more than 75% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Harvey51 claims · $4.9M
- The Early summer severe storms7 claims · $576K
- The Spring severe storms6 claims · $95K
Pecan Grove isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fort Bend County.The storms Pecan Grove remembers
None of the 21 disasters declared for Fort Bend County shows FEMA aid or repair money reaching Pecan Grove itself in FEMA’s records, so these are its biggest flood-claim years.
- 201752 flood claims paidThe year of Hurricane Harvey, declared for Fort Bend County
- 201220 flood claims paidNo declaration for the county that year
- 201613 flood claims paidThe year of Severe Storms and Flooding, declared for Fort Bend County
Fort Bend County has had 21 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Fort Bend County, 2006–2006.
Old photos of Pecan Grove after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pecan Grove archive →Pecan Grove and its neighbors
Pecan Grove is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Pecan Grove 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.
- 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 Pecan Grove
Is Pecan Grove at risk for natural disasters?
On FEMA’s National Risk Index, Pecan Grove has higher expected damage per building than 66% of U.S. towns: C for hazard risk, #447 of 642 in Texas. Most of the expected damage is river and rain flooding (67%) and hurricanes (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Pecan Grove flood?
Flood insurance has paid 94 claims in Pecan Grove since 1981, $6.2M in all, or 10.7 per 1,000 homes, more than 75% of U.S. towns with a flood insurance record. The most claims came from Hurricane Harvey (51).
Is Pecan Grove 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 Fort Bend County, 42% of homes in mapped flood zones carry federal flood insurance, and 15.4% of all homes do.
How much is flood insurance in Pecan Grove?
FEMA’s Community Rating System list shows no discount for Pecan Grove’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 Pecan Grove?
By flood claims, Hurricane Harvey: 51 paid, $4.9M.
Is Pecan Grove at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Pecan Grove’s rate for it is higher than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pecan Grove.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pecan Grove’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.