Natural hazards · Lake Jackson

Lake Jackson, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lake Jackson comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 331 claims here since 1979. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lake Jackson?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Jackson to be higher than in 65% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding42%Hurricanes35%Tornadoes12%Everything else12%

By hazard

What Lake Jackson faces

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

Inland flooding

42% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

35% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

12% of expected damage

Above average · higher than 53% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat 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 Lake Jackson flood?

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

331paid claims since 1979

$3.9Mpaid to owners

19homes flooded more than once

19792026

Biggest named events

Tropical Storm Claudette: 21 claims, $45K
Hurricane Harvey: 14 claims, $1.3M
Tropical Storm Paul: 5 claims, $18K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Brazoria County.

What’s been done with FEMA grants

11homes raised above flood level

Disasters that hit Lake Jackson

11 federal disasters brought FEMA money here

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

Brought FEMA money into Lake JacksonDeclared for Brazoria County only

2024

Hurricane Beryl

5,216 households applied for aid $4.2M aid approved $5.7M to the City of Lake Jackson for repairs

2021

Severe Winter Storms

406 households applied for aid $135K aid approved $10K to the City of Lake Jackson for repairs

2020

Tropical Storms Marco and Laura

$14K to the City of Lake Jackson for repairs

2017

Hurricane Harvey

2,490 households applied for aid $2.7M aid approved $1.1M to the City of Lake Jackson for repairs

2016

Severe Storms and Flooding

82 households applied for aid $274K aid approved $307K to the City of Lake Jackson for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

15 households applied for aid $6K aid approved $120K to the City of Lake Jackson for repairs

2008

Hurricane Ike

3,672 households applied for aid $260K aid approved $2.1M to the City of Lake Jackson for repairs

2005

Hurricane Rita

876 households applied for aid $256K aid approved $121K to the City of Lake Jackson for repairs

2005

Hurricane Katrina Evacuation

$1K to the City of Lake Jackson for repairs

2003

Hurricane Claudette

25 households applied for aid $59K aid approved $79K to the City of Lake Jackson for repairs

2002

Severe Storms, Tornadoes and Flooding

9 households applied for aid $20K aid approved

Brazoria County has had 28 natural disasters declared since 1953, most often hurricanes and floods.

Around Lake Jackson

Lake Jackson and the towns around it

Very lowLowModerateHighVery high

Richwoodmostly inland floodingHigh

Lake Jacksonmostly inland floodingHigh

Clutemostly hurricanesModerate

Freeportmostly hurricanesLow

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. Lake Jackson covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Lake Jackson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lake Jackson. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Lake Jackson total about $12.8M a year, counting buildings, people and crops.

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.