Natural hazards · Lacy-Lakeview

Lacy-Lakeview, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lacy-Lakeview comes from tornadoes, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 1980. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lacy-Lakeview?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lacy-Lakeview to be higher than in 13% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes41%Inland flooding24%Cold waves18%Heat waves10%Everything else8%

By hazard

What Lacy-Lakeview faces

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

Tornadoes

41% of expected damage

Above average · higher than 71% of U.S. places

Inland flooding

24% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Cold waves

18% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Heat waves

10% of expected damage

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

Recorded about 17 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Lacy-Lakeview flood?

Every paid claim on a federal flood insurance policy in Lacy-Lakeview, from FEMA’s records.

4paid claims since 1980

$15Kpaid to owners

1homes flooded more than once

19802026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McLennan County.

Disasters that hit Lacy-Lakeview

1 federal disaster brought FEMA money here

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

Brought FEMA money into Lacy-LakeviewDeclared for McLennan County only

2021

Severe Winter Storms

8 households applied for aid

McLennan County has had 18 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Lacy-Lakeview

Lacy-Lakeview and the towns around it

Very lowLowModerateHighVery high

Lacy-Lakeviewmostly tornadoesVery low

Wacomostly tornadoesVery low

Bellmeadmostly tornadoesVery low

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. Lacy-Lakeview 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 Lacy-Lakeview’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lacy-Lakeview. 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.