Natural hazards · Kempner

Kempner, TX natural hazards

Most of the natural-hazard damage FEMA expects in Kempner comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Kempner?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kempner to be higher than in 30% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes28%Wildfire6%Hail6%Lightning5%Everything else14%

By hazard

What Kempner faces

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

Inland flooding

40% of expected damage

Below average · higher than 32% of U.S. places

Recorded about once a year in the area

Tornadoes

28% of expected damage

Well above average · higher than 85% of U.S. places

Wildfire

6% of expected damage

Well above average · higher than 94% of U.S. places

Hail

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 5 times a year in the area

Lightning

5% of expected damage

Below average · higher than 25% of U.S. places

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong 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 Kempner flood?

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

of all homes
are insured

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

Insurance rates: Lampasas County.

Disasters that hit Kempner

4 federal disasters brought FEMA money here

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

Brought FEMA money into KempnerDeclared for Lampasas County only

2025

Severe Storms, Straight-Line Winds, and Flooding

1 household applied for aid

2024

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

2 households applied for aid

2021

Severe Winter Storms

38 households applied for aid $12K aid approved

2007

Severe Storms, Tornadoes, and Flooding

70 households applied for aid $60K aid approved

Lampasas County has had 15 natural disasters declared since 1953, most often fires 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. Kempner 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 Kempner’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Kempner. 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.