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Texas Has Been Quiet. The Pacific May Be Changing That.

daniel33876
Sep 24
3 min read

A strengthening El Niño could bring a very different weather pattern to Texas this fall and winter.

For much of Texas, the past several months have been defined by heat.


Long stretches of hot, dry weather can make significant storms and property damage feel like distant concerns. Roofs bake in the sun, commercial properties continue operating, agricultural buildings endure another Texas summer, and insurance claims tend to become something property owners think about only after the weather changes.


Thousands of miles away, however, the conditions that can influence our winter weather are changing quickly.


NOAA's Climate Prediction Center reported on September 10 that El Niño is strengthening across the tropical Pacific. The agency now gives greater than a 90 percent chance that this becomes a very strong El Niño during the fall and winter of 2026 and 2027. Even more notable, NOAA currently estimates a 75 percent chance that the October through December period reaches a strength exceeding previous El Niño events in its record dating back to 1950.


That does not tell us exactly what will happen in Texas, but it certainly gives us a reason to pay attention.


What Is El Niño?

El Niño begins in the tropical Pacific Ocean, where unusually warm ocean temperatures interact with the atmosphere and alter large scale circulation patterns. Those changes can influence the position and strength of the jet stream and, in turn, affect weather patterns across North America.


Historically, El Niño winters have often favored wetter conditions across portions of the southern United States, particularly along the Gulf Coast and Southeast. But El Niño is not a weather forecast for a particular city, nor does a strong event guarantee heavy rain, severe storms, freezes, or any particular type of property loss. NOAA specifically cautions that other atmospheric patterns and natural variability can cause individual El Niño events to behave differently.


That distinction is important. A seasonal climate pattern changes probabilities. It does not tell us where the next storm will occur.


What Changes When the Weather Does

Buildings do not experience climate averages; they experience individual weather events.

A change toward a more active or wetter pattern can expose conditions that months of dry weather never revealed.


Roofs that appeared trouble free through the summer may be tested by repeated rainfall. Drainage systems that have barely carried water in months may suddenly have to manage substantial runoff. Sealants, flashings, roof penetrations, wall transitions, gutters, scuppers, mechanical curbs, windows, doors, and previous repairs may all be tested differently once sustained rain returns.


Commercial and multifamily properties present an additional concern because one weakness can affect multiple areas of a building before anyone realizes what is happening.


Agricultural properties can face their own challenges. Barns, equipment buildings, metal roofing systems, fencing, drainage areas, roads, and outbuildings are often spread across large properties and may not receive the same routine observation as a home or occupied commercial building.


None of this means damage is coming. It means relatively quiet weather is a good time to understand the condition of your property.


The Effects of Heat Don't Stop When Summer Does

Texas buildings have just endured another prolonged period of intense heat. Building materials expand and contract. Sealants age. Roofing materials weather. Coatings deteriorate. Fasteners and penetrations remain exposed to the elements. Repairs performed years earlier continue aging along with the surrounding construction.


None of those conditions automatically constitutes storm damage. But when the weather changes, they can influence how a building responds to wind and water. That is why the time to look at a property is not necessarily after water begins coming through the ceiling.


Prepare Before the Pattern Changes

We cannot predict exactly what this El Niño will mean for Texas, and neither can anyone else this far in advance. What we can do is use the information available today.


If you own or manage a commercial property, apartment complex, church, agricultural operation, large residence, or other significant property, this is a reasonable time to evaluate the exterior building envelope, drainage systems, roofing systems, previous repairs, and other areas that will be expected to perform when the weather changes.


Not because NOAA has predicted that your property will suffer a loss - it hasn't. Rather, the Pacific is sending a fairly strong signal that the weather pattern we have grown accustomed to may not remain the same. Preparing during quiet weather is considerably easier than discovering a problem in the middle of a storm.


Coming Next

Next week, we will look beyond the weather forecast and into the building itself. The time to understand how your property will respond to heavy rain is before the storm arrives.


Sources and Further Reading

NOAA Climate Prediction Center, September 2026 ENSO Diagnostic Discussion.

NOAA Climate Prediction Center, September 2026 Seasonal Outlook.

National Weather Service, historical El Niño precipitation and temperature composites.


Chaos is Temporary. Control is Pivotal.

Pivotal Public Adjusters LLC

Texas Public Adjuster License No. 3264340



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