Guest, Sign inJoin

Post to Quail Creek

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
J. T. Jecker HouseJ. T. Jecker House · Photo: 25or6to4 · CC BY-SA 3.0
C−Hazard risk
Natural hazards in Quail Creek · FEMA

More hazard damage per building is expected in Quail Creek than in 84% of U.S. towns, mostly from hurricanes

On FEMA’s National Risk Index, Quail Creek gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns. Most of that expected damage is hurricanes (66%), then river and rain flooding (27%). FEMA’s files show no paid flood insurance claims here.

Hurricanes 66%River and rain flooding 27%Tornadoes 3%

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 84%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Texas · higher than 84% of U.S. towns
Main hazard
Hurricanes
66% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 23 declared for Victoria County
By hazard

What Quail Creek faces

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

Hurricanes

66%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Recorded about once every 8 years in the area

River and rain flooding

27%of expected building damage
Below average · lower than 72% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Wildfire Strong wind Cold waves top 0% Hail Earthquakes Lightning Winter storms Ice 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 12% of Quail Creek’s expected losses. Cold waves do little damage to buildings (0.6%), 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 Quail Creek’s grade

Hurricanes are 66% of the building damage FEMA expects in Quail Creek, and Quail Creek’s rate of hurricanes damage is in the top 5% of U.S. census tracts. Next is river and rain flooding at 27% (lower than 72% of U.S. census tracts).

Where Quail Creek sits
Quail Creek
Least damageMiddleMost damage

C− higher expected damage per building than 84% of U.S. towns (21,298).

All of Quail Creek’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
Hurricanes66%River and rain flooding27%Everything else6%

In dollars, FEMA expects about $1.1M a year in losses across Quail Creek: $745K to buildings, the rest to people and crops.

Shared tract.All of Quail Creek’s 1,800 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Quail Creek flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Quail Creek. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

Quail Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Victoria County.
Disasters

The storms Quail Creek remembers

None of the 23 disasters declared for Victoria County shows FEMA aid or repair money reaching Quail Creek itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Quail CreekVictoria County only

Victoria County has had 23 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.

Be ready

Get ready for what Quail Creek 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 ↗
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 Quail Creek

Is Quail Creek at risk for natural disasters?

On FEMA’s National Risk Index, Quail Creek has higher expected damage per building than 84% of U.S. towns: C− for hazard risk. Most of the expected damage is hurricanes (66%) and river and rain flooding (27%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Quail Creek 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 Victoria County, 2.8% of all homes carry federal flood insurance.

How much is flood insurance in Quail Creek?

FEMA’s Community Rating System list shows no discount for Quail Creek’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Quail Creek at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (66%), and Quail Creek’s rate for it is in the top 5% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Quail Creek.

Town Square →
Start the conversation

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