Natural hazards · Lago

Lago, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lago comes from hurricanes, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Lago?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lago to be higher than in 74% of U.S. communities, mostly from hurricanes and cold waves.

Hurricanes43%Cold waves26%Inland flooding21%Everything else11%

By hazard

What Lago faces

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

Hurricanes

43% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 6 years in the area

Cold waves

26% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 3 times a year in the area

Inland flooding

21% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Lago flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cameron County.

Disasters that hit Lago

Federal disasters declared here

None of the disasters declared for Cameron County shows FEMA aid or repair money reaching Lago itself in FEMA’s records.

Brought FEMA money into LagoDeclared for Cameron County only

Cameron County has had 29 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. Lago 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 Lago’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lago. 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.