Photo: Stedil · CC BY-SA 4.0On FEMA’s figures, Splendora faces more hazard damage per building than 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Splendora gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns. Most of that expected damage is river and rain flooding (79%), then hurricanes (11%). Flood insurance has paid 42 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 Splendora’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Splendora 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 Splendora’s grade
River and rain flooding is 79% of the building damage FEMA expects in Splendora, and Splendora’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Next is hurricanes at 11% (higher than 83% of U.S. census tracts).
C higher expected damage per building than 69% of U.S. towns (21,298).
Splendora’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $559K a year in losses across Splendora: $295K to buildings, the rest to people and crops.
Does Splendora flood? Sometimes: 42 flood claims since 1989
Every paid claim on a federal flood insurance policy in Splendora, from FEMA’s records: 55.0 per 1,000 homes, more than 93% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Imelda11 claims · $820K
- Hurricane Harvey8 claims · $708K
- The Spring severe storms4 claims · $151K
Splendora 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.11 federal disasters brought FEMA money to Splendora
Disasters that paid out in Splendora itself (aid to households or repair grants to the City of Splendora), newest first, with that year’s flood claims.
- 2024Hurricane Beryl2,892 households applied for aid$4.0M aid approved
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding462 households applied for aid$2.0M aid approved
- 2021Severe Winter Storms287 households applied for aid$199K aid approved
- 2019Tropical Storm Imelda510 households applied for aid$2.8M aid approved11 flood claims paid for it, $820K
- 2017Hurricane Harvey1,216 households applied for aid$5.6M aid approved$122K to the City of Splendora for repairs8 flood claims paid for it, $708K
- 2016Severe Storms and Flooding83 households applied for aid$220K aid approved
Show all 11
- 2016Severe Storms and Flooding111 households applied for aid$512K aid approved
- 2008Hurricane Ike1,880 households applied for aid$1.6M aid approved$83K to the City of Splendora for repairs
- 2005Hurricane Rita2,694 households applied for aid$2.2M aid approved$52K to the City of Splendora for repairs
- 2005Hurricane Rita$1K to the City of Splendora for repairs
- 2002Severe Storms, Tornadoes and Flooding15 households applied for aid$67K aid approved
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 Splendora after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Splendora archive →Get ready for what Splendora 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 Splendora
Is Splendora at risk for natural disasters?
On FEMA’s National Risk Index, Splendora has higher expected damage per building than 69% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (79%) and hurricanes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Splendora flood?
Flood insurance has paid 42 claims in Splendora since 1989, $2.1M in all, or 55.0 per 1,000 homes, more than 93% of U.S. towns with a flood insurance record. 9 properties have flooded more than once. The most claims came from Tropical Storm Imelda (11).
Is Splendora 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 Splendora?
FEMA’s Community Rating System list shows no discount for Splendora’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 Splendora?
By FEMA money that reached Splendora, Hurricane Harvey (2017): 1,216 households applied for aid, $5.6M approved, and $122K to the City of Splendora for repairs. By flood claims, Tropical Storm Imelda: 11 paid, $820K.
Is Splendora at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Splendora’s rate for it is higher than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Splendora.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Splendora’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.