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Thompsons Texas US Post OfficePhoto: Djmaschek · CC BY-SA 3.0
–Not graded
Natural hazards in Thompsons · FEMA

Storms, floods and disasters in Thompsons

Thompsons isn’t graded for hazard risk: Thompsons has 222 residents; we grade towns of 1,000 or more. Flood insurance has paid 20 claims here since 2016.

Flood claims
20
paid since 2016 · $933K
Flooded more than once
7
properties
Disasters paid out here
5
of 21 declared for Fort Bend County
By hazard

What Thompsons 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

73%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

23%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once every 6 years in the area
Smaller shares here
 Tornadoes Strong wind Wildfire Hail Earthquakes Coastal flooding Winter storms Ice storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
AvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts tornadoes at 12% of Thompsons’ expected losses. Tornadoes do little damage to buildings (3.2%), 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.
Flood insurance claims

Does Thompsons flood? Sometimes: 20 flood claims since 2016

Every paid claim on a federal flood insurance policy in Thompsons, from FEMA’s records.

Paid flood claims, by year
2016: 7 claims2017: 13 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims20162017
20162026
Biggest named events
  • Hurricane Harvey13 claims · $675K
  • The Early summer severe storms7 claims · $257K
20
paid claims since 2016
$933K
paid to owners
7
homes flooded more than once
$47K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Thompsons 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.
Disasters

5 federal disasters brought FEMA money to Thompsons

Disasters that paid out in Thompsons itself (aid to households or repair grants to the Town of Thompsons), newest first, with that year’s flood claims.

  1. 2024Hurricane Beryl18 households applied for aid$36K aid approved
  2. 2021Severe Winter Storms2 households applied for aid$4K aid approved
  3. 2017Hurricane Harvey56 households applied for aid$182K aid approved13 flood claims paid for it, $675K
  4. 2016Severe Storms and Flooding51 households applied for aid$185K aid approved7 flood claims paid that year
  5. 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding3 households applied for aid$3K aid approved
Disasters declared, by decade
Paid out in ThompsonsFort Bend County only

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.

Were you here?

Old photos of Thompsons after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Thompsons archive →
Be ready

Get ready for what Thompsons faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

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 ↗
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 ↗
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 Thompsons

Does Thompsons flood?

Flood insurance has paid 20 claims in Thompsons since 2016, $933K in all. 7 properties have flooded more than once. The most claims came from Hurricane Harvey (13).

Is Thompsons 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 Thompsons?

FEMA’s Community Rating System list shows no discount for Thompsons’ 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 Thompsons?

By FEMA money that reached Thompsons, Severe Storms and Flooding (2016): 51 households applied for aid, $185K approved. By flood claims, Hurricane Harvey: 13 paid, $675K.

Storm stories

Memories, warnings and help from neighbors in Thompsons.

Town Square →
Start the conversation

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