Updated May 2026
Flood Risk in San Jacinto, TX
San Jacinto, TX has a Flood Risk Score of 21/100 (Grade B), ranking #130 of 3,277 counties nationwide. The risk level is Moderate. There have been 30 NFIP flood-insurance claims totaling $1,195,369 in payouts, with 20 federal disaster declarations on record.
Key Data
What the Grade Means Here
San Jacinto carries a B grade — modest but non-trivial flood risk. With a composite score of 21 and 30 NFIP claims on file, the county sits in the second-safest tier of the U.S. distribution (rank #130 of 3,277). Most insured loss here clusters in localized low-elevation neighborhoods or river-adjacent corridors rather than across the whole county.
Within Texas, San Jacinto runs 9 points above the state average composite score of 12 — meaningfully more flood-exposed than the typical county in the state. Rank: #12 of 255. The full Texas state profile shows how every county within the state compares.
What's Driving the Risk Score?
The single biggest driver of the composite score in this county is federal disaster frequency (25% of the formula, factor score 43). For San Jacinto, that means the cadence of federally declared flood-related disasters dominates — large enough events to exceed state and local response capacity have repeated multiple times.
The trend factor of 65 of 100 indicates flood-loss volume has been climbing in this county relative to its own history. That can reflect either climate-driven shifts in precipitation patterns, new development extending into flood-prone areas, or both.
Score Breakdown
| Factor | Score | Weight |
|---|---|---|
| Claims Density | 0 | 40% |
| Disaster Frequency | 43 | 25% |
| Claim Severity | 0 | 20% |
| Year-over-Year Trend | 65 | 15% |
How This Score Is Calculated
The composite is a weighted average of four FEMA-derived factors. Source data comes from the public FEMA flood-mapping program via the OpenFEMA API. For property-level decisions, layer this with the parcel's FEMA Flood Insurance Rate Map zone and recent crest readings from USGS Water Data. Full math: methodology page.
Frequently Asked Questions
What is the flood risk in San Jacinto, TX?
San Jacinto, TX has a Flood Risk Score of 21/100 (Grade B), ranking #130 of 3,277 counties nationwide. The risk level is Moderate. There have been 30 NFIP flood-insurance claims totaling $1,195,369 in payouts, with 20 federal disaster declarations on record.
Is flood insurance required in San Jacinto?
Federal law requires flood insurance for any property in a Special Flood Hazard Area (FEMA Zone A or V) financed by a federally regulated lender. San Jacinto's county-wide composite score is 21 (Grade B), which is a county aggregate — your specific parcel's flood-zone designation comes from the FEMA Flood Insurance Rate Map (FIRM) at fema.gov/flood-maps. Even when not legally required, NFIP coverage is often available for a few hundred dollars a year in moderate- and low-risk zones, and FEMA reports more than 25% of all NFIP claims come from outside high-risk zones.
What is driving the flood risk score in San Jacinto?
The single biggest driver of the composite score in this county is federal disaster frequency (25% of the formula, factor score 43). For San Jacinto, that means the cadence of federally declared flood-related disasters dominates — large enough events to exceed state and local response capacity have repeated multiple times.
Is flood risk increasing or decreasing in San Jacinto?
The trend factor of 65 of 100 indicates flood-loss volume has been climbing in this county relative to its own history. That can reflect either climate-driven shifts in precipitation patterns, new development extending into flood-prone areas, or both.
How does San Jacinto compare to other counties in Texas?
Within Texas, San Jacinto runs 9 points above the state average composite score of 12 — meaningfully more flood-exposed than the typical county in the state. Rank: #12 of 255.
Where does this data come from?
Every figure on this page comes from FEMA's public OpenFEMA API — the DisasterDeclarationsSummaries v2 endpoint (federally declared flood-related disasters) and the FimaNfipClaims endpoint (individual NFIP flood-insurance claims aggregated by county FIPS code). Both are public-domain U.S. government work. Real-time stream-gauge readings that complement these federal aggregates live at USGS Water Data. Last updated 2026-05-16.
San Jacinto, TX has a Flood Risk Score of 21/100 (Grade B), ranking #130 of 3,277 counties nationwide. The risk level is Moderate. There have been 30 NFIP flood-insurance claims totaling $1,195,369 in payouts, with 20 federal disaster declarations on record.
The data source behind this answer is FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims. Every figure on the page traces back to that source; the methodology page describes the inputs and the refresh cadence in full detail.
A practical caveat: the headline answer above reflects the most recent FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims vintage; underlying data is often revised for months after first publication, and the right reference for any specific decision is whichever vintage is current at the time of the decision. The as-of date is stamped on every page.