Natural hazards · Laredo

Laredo, MT natural hazards

Most of the natural-hazard damage FEMA expects in Laredo comes from cold waves, and overall the risk is moderate for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Laredo?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Laredo to be higher than in 49% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves71%Inland flooding20%Everything else10%

By hazard

What Laredo faces

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

Cold waves

71% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 11 times a year in the area

Inland flooding

20% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 5 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Laredo flood?

FEMA's records show no paid flood insurance claims in Laredo.

of all homes
are insured

No community discount. Laredo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Hill County.

Disasters that hit Laredo

Federal disasters declared here

None of the disasters declared for Hill County shows FEMA aid or repair money reaching Laredo itself in FEMA’s records.

Brought FEMA money into LaredoDeclared for Hill County only

Hill County has had 11 natural disasters declared since 1953, most often severe storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Laredo is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Laredo’s own flood-insurance community; household aid to the registrant’s city; repair grants to Laredo. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.