Natural hazards · Callender Lake

Callender Lake, TX natural hazards

Most of the natural-hazard damage FEMA expects in Callender Lake comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Callender Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Callender Lake to be higher than in 27% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes18%Cold waves16%Strong wind8%Heat waves8%Everything else13%

By hazard

What Callender Lake faces

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

Inland flooding

37% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 14 years in the area

Cold waves

16% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Strong wind

8% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 4 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 16 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Callender Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Van Zandt County.

Disasters that hit Callender Lake

Federal disasters declared here

None of the disasters declared for Van Zandt County shows FEMA aid or repair money reaching Callender Lake itself in FEMA’s records.

Brought FEMA money into Callender LakeDeclared for Van Zandt County only

Van Zandt County has had 16 natural disasters declared since 1953, most often severe storms and hurricanes.

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. Callender Lake 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 Callender Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Callender Lake. 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.