Natural hazards · Leonard

Leonard, TX natural hazards

Most of the natural-hazard damage FEMA expects in Leonard comes from drought, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 2017. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Leonard?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Leonard to be higher than in 54% of U.S. communities, mostly from drought and tornadoes.

Drought33%Tornadoes21%Inland flooding17%Heat waves10%Cold waves5%Hail5%Everything else9%

By hazard

What Leonard faces

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

Drought

33% of expected damage

Recorded about 27 times a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 11 years in the area

Inland flooding

17% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Heat waves

10% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 16 times a year in the area

Cold waves

5% of expected damage

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

Recorded about once a year in the area

Hail

5% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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 Leonard flood?

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

4paid claims since 2017

$24Kpaid to owners

0homes flooded more than once

20172026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fannin County.

What’s been done with FEMA grants

29storm safe rooms built

Disasters that hit Leonard

4 federal disasters brought FEMA money here

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

Brought FEMA money into LeonardDeclared for Fannin County only

2024

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

$68K to the City of Leonard for repairs

2021

Severe Winter Storms

20 households applied for aid $12K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

4 households applied for aid $8K aid approved

2000

Severe Winter Ice Storm

$49K to the City of Leonard for repairs

Fannin County has had 16 natural disasters declared since 1953, most often severe storms 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. Leonard 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 Leonard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Leonard. 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.