Natural hazards · Ladonia

Ladonia, TX natural hazards

Most of the natural-hazard damage FEMA expects in Ladonia comes from drought, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ladonia?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ladonia to be higher than in 43% of U.S. communities, mostly from drought and tornadoes.

Drought47%Tornadoes17%Inland flooding12%Heat waves8%Everything else17%

By hazard

What Ladonia faces

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

Drought

47% of expected damage

Recorded about 32 times a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 7 years in the area

Inland flooding

12% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 2 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 16 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold 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 Ladonia flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fannin County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Ladonia

3 federal disasters brought FEMA money here

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

Brought FEMA money into LadoniaDeclared for Fannin County only

2021

Severe Winter Storms

10 households applied for aid $9K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

9 households applied for aid $6K aid approved

2000

Severe Winter Ice Storm

$49K to the Town of Ladonia for repairs

Fannin County has had 16 natural disasters declared since 1953, most often severe storms 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. Ladonia 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 Ladonia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ladonia. 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.