Natural hazards · Hilltop Lakes

Hilltop Lakes, TX natural hazards

Most of the natural-hazard damage FEMA expects in Hilltop Lakes comes from cold waves, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hilltop Lakes?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hilltop Lakes to be higher than in 27% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves40%Inland flooding23%Drought13%Tornadoes11%Everything else13%

By hazard

What Hilltop Lakes faces

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

Cold waves

40% of expected damage

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

Recorded about once every 2 years in the area

Inland flooding

23% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Drought

13% of expected damage

Recorded about 36 times a year in the area

Tornadoes

11% of expected damage

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

Recorded about once every 11 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Hilltop Lakes flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hilltop 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: Leon County.

Disasters that hit Hilltop Lakes

2 federal disasters brought FEMA money here

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

Brought FEMA money into Hilltop LakesDeclared for Leon County only

2024

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

4 households applied for aid $14K aid approved

2021

Severe Winter Storms

4 households applied for aid $3K aid approved

Leon County has had 24 natural disasters declared since 1953, most often hurricanes 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. Hilltop 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 Hilltop Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to Hilltop 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.