Storms, floods and disasters in Woodloch
Woodloch isn’t graded for hazard risk: Woodloch has 381 residents; we grade towns of 1,000 or more. Flood insurance has paid 129 claims here since 1978.
What Woodloch 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 Woodloch flood? Yes: 129 flood claims since 1978
Every paid claim on a federal flood insurance policy in Woodloch, from FEMA’s records.
- Hurricane Harvey49 claims · $6.8M
- The Texas Spring Flooding8 claims · $627K
- Hurricane Ike5 claims · $125K
Woodloch 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.7 federal disasters brought FEMA money to Woodloch
Disasters that paid out in Woodloch itself (aid to households or repair grants to the Town of Woodloch), newest first, with that year’s flood claims.
- 2024Hurricane Beryl1 households applied for aid$7K to the Town of Woodloch for repairs
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding$4K to the Town of Woodloch for repairs
- 2017Hurricane Harvey2 households applied for aid$2K aid approved$7K to the Town of Woodloch for repairs49 flood claims paid for it, $6.8M
- 2016Severe Storms and Flooding$18K to the Town of Woodloch for repairs2 flood claims paid that year
- 2008Hurricane Ike$62K to the Town of Woodloch for repairs5 flood claims paid for it, $125K
- 2001Tx-tropical Storm Allison-06-06-2001$1K to the Town of Woodloch for repairs2 flood claims paid for it, $2K
Show all 7
- 1998Tx-flooding 10/18/98$21K to the Town of Woodloch for repairs1 flood claim paid that year
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 Woodloch after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Woodloch archive →Get ready for what Woodloch 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 Woodloch
Does Woodloch flood?
Flood insurance has paid 129 claims in Woodloch since 1978, $9.8M in all. 17 properties have flooded more than once. The most claims came from Hurricane Harvey (49).
Is Woodloch 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 Woodloch?
FEMA’s Community Rating System list shows no discount for Woodloch’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 Woodloch?
By FEMA money that reached Woodloch, Hurricane Ike (2008): $62K to the Town of Woodloch for repairs. By flood claims, Hurricane Harvey: 49 paid, $6.8M.
Storm stories
Memories, warnings and help from neighbors in Woodloch.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Woodloch’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.