Natural hazards · Lockhart

Lockhart, SC natural hazards

Most of the natural-hazard damage FEMA expects in Lockhart comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lockhart?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lockhart to be higher than in 52% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding35%Cold waves33%Tornadoes13%Everything else19%

By hazard

What Lockhart faces

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

Inland flooding

35% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 2 years in the area

Cold waves

33% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

13% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 22 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Lockhart flood?

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

of all homes
are insured

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

Insurance rates: Union County.

Disasters that hit Lockhart

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Lockhart itself: aid to households, or repair grants to the Town of Lockhart.

Brought FEMA money into LockhartDeclared for Union County only

2024

Hurricane Helene

41 households applied for aid $40K aid approved

Union County has had 17 natural disasters declared since 1953, most often hurricanes and ice storms.

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. Lockhart 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 Lockhart’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lockhart. 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.