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C−Hazard risk
Natural hazards in Tiki Island · FEMA

FEMA expects more hazard damage per building in Tiki Island than in 78% of U.S. towns, led by hurricanes

On FEMA’s National Risk Index, Tiki Island gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns. Most of that expected damage is hurricanes (38%), then coastal flooding (29%). Flood insurance has paid 484 claims here since 1998.

Hurricanes 38%Coastal flooding 29%River and rain flooding 29%

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 78%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 78% of U.S. towns
Main hazard
Hurricanes
38% of expected building damage
Flood claims
484
paid since 1998 · $6.5M
Flooded more than once
2
properties
Flood insurance
15% off
Community discount (class 7)

What stands out about Tiki Island’s natural hazards

From FEMA’s model and FEMA’s records, below.

484 paid flood claims since 1998$6.5M in all; 2 properties flooded more than once. More per home than 99% of U.S. towns.15% off flood insuranceFlood-proofing work earns Tiki Island residents a discount through FEMA’s Community Rating System (class 7).Coastal flooding: the top 1% of U.S. tractsFEMA’s building-damage rate for coastal flooding here ranks in the top 1% of U.S. census tracts; it is 29.2% of the damage it expects.Made safer with FEMA grants2 buildings retrofitted against wind with FEMA grants.
By hazard

What Tiki Island faces

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

Hurricanes

38%of expected building damage
Well above average · in the top 10% of U.S. census tracts
Recorded about once every 4 years in the area

Coastal flooding

29%of expected building damage
Well above average · in the top 1% of U.S. census tracts

River and rain flooding

29%of expected building damage
Below average · lower than 78% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Tornadoes Cold waves top 1% Wildfire Hail Strong wind Ice storms Lightning Earthquakes Winter storms Heat waves Landslides
FEMA models no building damage here
AvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 24% of Tiki Island’s expected losses. Cold waves do little damage to buildings (0.5%), 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 Tiki Island’s grade

Hurricanes are 38% of the building damage FEMA expects in Tiki Island, and Tiki Island’s rate of hurricanes damage is in the top 10% of U.S. census tracts. Coastal flooding adds 29%, at a rate in the top 1% of U.S. census tracts.

Where Tiki Island sits
Tiki Island
Least damageMiddleMost damage

C− higher expected damage per building than 78% of U.S. towns (21,298).

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

What drives the damage to buildings
Hurricanes38%Coastal flooding29%River and rain flooding29%Everything else4%

In dollars, FEMA expects about $745K a year in losses across Tiki Island: $438K to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Beryl in 2024, FEMA took 70 aid registrations from Tiki Island addresses (the town has 1,161 homes) and flood insurance paid 3 claims for $15K.
Shared tract.All of Tiki Island’s 1,106 residents (2020 census) live in one census tract, which it shares with Bayou Vista city (1,763 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. 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 Tiki Island flood? Yes: 484 flood claims since 1998

Every paid claim on a federal flood insurance policy in Tiki Island, from FEMA’s records: 416.9 per 1,000 homes, more than 99% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1998: 10 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 2 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 469 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 3 claims2025: 0 claims2026: 0 claims199820082024
19982026
Biggest named events
  • Hurricane Ike467 claims · $6.4M
  • Hurricane Beryl3 claims · $15K
  • Hurricane Claudette2 claims · $7K
484
paid claims since 1998
$6.5M
paid to owners
2
homes flooded more than once
$14K
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
Community discount15% off flood insurance

Tiki Island is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Galveston County.
What’s been done with FEMA grants
2buildings retrofitted against wind
Disasters

5 federal disasters brought FEMA money to Tiki Island

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

  1. 2024Hurricane Beryl70 households applied for aid$56K aid approved$754K to the Village of Tiki Island for repairs3 flood claims paid for it, $15K
  2. 2017Hurricane Harvey13 households applied for aid$5K aid approved
  3. 2008Hurricane Ike248 households applied for aid$196K aid approved$1.4M to the Village of Tiki Island for repairs467 flood claims paid for it, $6.4M
  4. 2005Hurricane Rita15 households applied for aid$4K aid approved$6K to the Village of Tiki Island for repairs
  5. 2005Hurricane Rita$4K to the Village of Tiki Island for repairs
Disasters declared, by decade
Paid out in Tiki IslandGalveston County only

Galveston County has had 25 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.

Were you here?

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

Add to the Tiki Island archive →
Next door

Tiki Island and its neighbors

Tiki Island is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Hitchcock: hazard risk C−Galveston: hazard risk CHitchcockGalvestonTiki Island
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
GalvestonCmore damage than 74%river and rain flooding14,754
Tiki IslandC−more damage than 78%hurricanes484
HitchcockC−more damage than 83%river and rain flooding1,273

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.

Be ready

Get ready for what Tiki Island 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 tide surges
  • Know your evacuation zone and the way off the coast.
  • Storm surge comes fast: leave when you’re told, not when the water arrives.
  • Move cars to high ground before king tides and nor’easters.
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.
  • Tiki Island residents get 15% off flood insurance.
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 Tiki Island

Is Tiki Island at risk for natural disasters?

On FEMA’s National Risk Index, Tiki Island has higher expected damage per building than 78% of U.S. towns: C− for hazard risk. Most of the expected damage is hurricanes (38%) and coastal flooding (29%). 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.

Does Tiki Island flood?

Flood insurance has paid 484 claims in Tiki Island since 1998, $6.5M in all, or 416.9 per 1,000 homes, more than 99% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Hurricane Ike (467).

Is Tiki Island 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 Galveston County, 66% of homes in mapped flood zones carry federal flood insurance, and 42.2% of all homes do.

How much is flood insurance in Tiki Island?

Tiki Island is in FEMA’s Community Rating System (class 7), which takes 15% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Tiki Island?

By FEMA money that reached Tiki Island, Hurricane Ike (2008): 248 households applied for aid, $196K approved, and $1.4M to the Village of Tiki Island for repairs. By flood claims, Hurricane Ike: 467 paid, $6.4M.

Is Tiki Island at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (38%), and Tiki Island’s rate for it is in the top 10% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Tiki Island.

Town Square →
Start the conversation

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