Natural hazards · Latexo

Latexo, TX natural hazards

Most of the natural-hazard damage FEMA expects in Latexo comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Latexo?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Latexo to be higher than in 26% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding31%Cold waves24%Lightning16%Tornadoes9%Hurricanes9%Everything else11%

By hazard

What Latexo faces

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

Inland flooding

31% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Cold waves

24% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Lightning

16% of expected damage

Above average · higher than 67% of U.S. places

Tornadoes

9% of expected damage

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

Recorded about once every 7 years in the area

Hurricanes

9% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 15 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Latexo flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Houston County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Latexo

2 federal disasters brought FEMA money here

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

Brought FEMA money into LatexoDeclared for Houston County only

2021

Severe Winter Storms

2 households applied for aid

2008

Hurricane Ike

19 households applied for aid $4K aid approved

Houston County has had 23 natural disasters declared since 1953, most often floods and hurricanes.

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. Latexo 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 Latexo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Latexo. 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.