Natural hazards · Lakehills

Lakehills, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lakehills comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 14 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lakehills?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lakehills to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding80%Tornadoes8%Everything else12%

By hazard

What Lakehills faces

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

Inland flooding

80% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 68% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Lakehills flood?

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

14paid claims since 1978

$170Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Torrential rain: 6 claims, $126K
Early summer storms: 1 claim, $14K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bandera County.

Disasters that hit Lakehills

1 federal disaster brought FEMA money here

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

Brought FEMA money into LakehillsDeclared for Bandera County only

2021

Severe Winter Storms

30 households applied for aid $30K aid approved

Bandera County has had 13 natural disasters declared since 1953, most often floods and fires.

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. Lakehills covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lakehills’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Lakehills. 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 Lakehills total about $1.6M 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.