Storms, floods and disasters in Stagecoach
Stagecoach isn’t graded for hazard risk: Stagecoach has 637 residents; we grade towns of 1,000 or more. Flood insurance has paid 22 claims here since 1998.
What Stagecoach 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.
Does Stagecoach flood? Sometimes: 22 flood claims since 1998
Every paid claim on a federal flood insurance policy in Stagecoach, from FEMA’s records.
- The Early summer severe storms9 claims · $750K
- Hurricane Harvey4 claims · $300K
- Tropical Storm Allison2 claims · $24K
Stagecoach 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.5 federal disasters brought FEMA money to Stagecoach
Disasters that paid out in Stagecoach itself (aid to households or repair grants to the Town of Stagecoach), newest first, with that year’s flood claims.
- 2024Hurricane Beryl20 households applied for aid$9K aid approved
- 2017Hurricane Harvey11 households applied for aid$19K aid approved$160K to the Town of Stagecoach for repairs4 flood claims paid for it, $300K
- 2016Severe Storms and Flooding4 households applied for aid$21K aid approved$74K to the Town of Stagecoach for repairs10 flood claims paid that year
- 2008Hurricane Ike$11K to the Town of Stagecoach for repairs
- 2001Tx-tropical Storm Allison-06-06-2001$7K to the Town of Stagecoach for repairs2 flood claims paid for it, $24K
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 Stagecoach after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stagecoach archive →Stagecoach and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Pinehurst | Bless damage than 59% | river and rain flooding | — |
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 Stagecoach 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 Stagecoach
Does Stagecoach flood?
Flood insurance has paid 22 claims in Stagecoach since 1998, $1.2M in all. 6 properties have flooded more than once. The most claims came from Early summer severe storms (9).
Is Stagecoach 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 Stagecoach?
FEMA’s Community Rating System list shows no discount for Stagecoach’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 Stagecoach?
By FEMA money that reached Stagecoach, Hurricane Harvey (2017): 11 households applied for aid, $19K approved, and $160K to the Town of Stagecoach for repairs. By flood claims, Early summer severe storms: 9 paid, $750K.
Storm stories
Memories, warnings and help from neighbors in Stagecoach.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stagecoach’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.