Natural hazards · Dayton Lakes

Dayton Lakes, TX natural hazards

Most of the natural-hazard damage FEMA expects in Dayton Lakes comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 46 claims here since 1989. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Dayton Lakes?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dayton Lakes to be higher than in 69% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding37%Tornadoes25%Hurricanes16%Cold waves7%Lightning5%Everything else10%

By hazard

What Dayton Lakes 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

Above average · higher than 70% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 8 years in the area

Hurricanes

16% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 7 years in the area

Cold waves

7% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 2 years in the area

Lightning

5% of expected damage

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

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windDrought

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 Dayton Lakes flood?

Every paid claim on a federal flood insurance policy in Dayton Lakes, from FEMA’s records.

46paid claims since 1989

$745Kpaid to owners

6homes flooded more than once

19892026

Biggest named events

Hurricane Harvey: 10 claims, $218K
Tropical Storm Allison: 1 claim, $10K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Liberty County.

Disasters that hit Dayton Lakes

10 federal disasters brought FEMA money here

Disasters the President declared that paid out in Dayton Lakes itself: aid to households, or repair grants to the City of Dayton Lakes.

Brought FEMA money into Dayton LakesDeclared for Liberty County only

2024

Hurricane Beryl

1 household applied for aid

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

4 households applied for aid $48K aid approved

2019

Tropical Storm Imelda

2 households applied for aid $8K aid approved

2017

Hurricane Harvey

11 households applied for aid $61K aid approved

2016

Severe Storms and Flooding

$19K to the City of Dayton Lakes for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid

2008

Hurricane Ike

1 household applied for aid $5K aid approved

2005

Hurricane Rita

$28K to the City of Dayton Lakes for repairs

2001

Tx-Tropical Storm Allison-06-06-2001

$27K to the City of Dayton Lakes for repairs

1998

Tx-Flooding 10/18/98

$36K to the City of Dayton Lakes for repairs

Liberty County has had 31 natural disasters declared since 1953, most often floods 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. Dayton Lakes 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 Dayton Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Dayton Lakes. 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.