Natural hazards · La Vernia

La Vernia, TX natural hazards

Most of the natural-hazard damage FEMA expects in La Vernia comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 23 claims here since 1998. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is La Vernia?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in La Vernia to be higher than in 40% of U.S. communities, mostly from inland flooding.

Inland flooding85%Tornadoes6%Everything else9%

By hazard

What La Vernia faces

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

Inland flooding

85% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 74 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 La Vernia flood?

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

23paid claims since 1998

$846Kpaid to owners

5homes flooded more than once

19982026

Biggest named events

Torrential rain: 1 claim, $1K

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. La Vernia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Wilson County.

Disasters that hit La Vernia

2 federal disasters brought FEMA money here

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

Brought FEMA money into La VerniaDeclared for Wilson County only

2021

Severe Winter Storms

58 households applied for aid $21K aid approved

1998

Tx-Flooding 10/18/98

$32K to the City of La Vernia for repairs

Wilson County has had 13 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. La Vernia 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 La Vernia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of La Vernia. 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.