Photo: Larry D. Moore · CC BY 4.0On FEMA’s figures, Three Rivers faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Three Rivers gets a C+ for hazard risk: higher expected damage per building than 57% of U.S. towns. Most of that expected damage is river and rain flooding (53%), then hurricanes (36%). FEMA’s files show no paid flood insurance claims here.
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 Three Rivers 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 Three Rivers’ grade
River and rain flooding is 53% of the building damage FEMA expects in Three Rivers, and Three Rivers’ rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Cold waves add 2%, at a rate in the top 1% of U.S. census tracts.
C+ higher expected damage per building than 57% of U.S. towns (21,298).
All of Three Rivers’ residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $918K a year in losses across Three Rivers: $382K to buildings, the rest to people and crops.
Does Three Rivers flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Three Rivers. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Three Rivers isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Live Oak County.3 federal disasters brought FEMA money to Three Rivers
Disasters that paid out in Three Rivers itself (aid to households or repair grants to the City of Three Rivers), newest first, with that year’s flood claims.
- 2017Hurricane Harvey1 households applied for aid$532 aid approved
- 2003Hurricane Claudette148 households applied for aid$210K aid approved$39K to the City of Three Rivers for repairs
- 2002Severe Storms and Flooding$24K to the City of Three Rivers for repairs
Live Oak County has had 18 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Live Oak County, 2009–2009.
Old photos of Three Rivers after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Three Rivers archive →Get ready for what Three Rivers 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 Three Rivers
Is Three Rivers at risk for natural disasters?
On FEMA’s National Risk Index, Three Rivers has higher expected damage per building than 57% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (53%) and hurricanes (36%). 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 Three Rivers 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 Live Oak County, 2.0% of all homes carry federal flood insurance.
How much is flood insurance in Three Rivers?
FEMA’s Community Rating System list shows no discount for Three Rivers’ 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 Three Rivers?
By FEMA money that reached Three Rivers, Hurricane Claudette (2003): 148 households applied for aid, $210K approved, and $39K to the City of Three Rivers for repairs.
Is Three Rivers at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (53%), and Three Rivers’ rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Three Rivers.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Three Rivers’ 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.