Natural hazards · Lampasas

Lampasas, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lampasas comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1990. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lampasas?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lampasas to be higher than in 50% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding59%Tornadoes18%Hail6%Everything else18%

By hazard

What Lampasas faces

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

Inland flooding

59% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 75% of U.S. places

Hail

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Lampasas flood?

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

12paid claims since 1990

$129Kpaid to owners

2homes flooded more than once

19902026

Biggest named events

2025 July Central TX Flooding: 2 claims, $25K
Thunderstorms: 1 claim, $1K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Lampasas County.

Disasters that hit Lampasas

4 federal disasters brought FEMA money here

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

Brought FEMA money into LampasasDeclared for Lampasas County only

2025

Severe Storms, Straight-Line Winds, and Flooding

15 households applied for aid $121K aid approved $247K to the City of Lampasas for repairs

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$49K to the City of Lampasas for repairs

2021

Severe Winter Storms

5 households applied for aid $4K aid approved

2007

Severe Storms, Tornadoes, and Flooding

97 households applied for aid $97K aid approved

Lampasas County has had 15 natural disasters declared since 1953, most often fires 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. Lampasas covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lampasas’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lampasas. 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 Lampasas total about $1.3M 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.