Natural hazards · Leroy

Leroy, TX natural hazards

Most of the natural-hazard damage FEMA expects in Leroy comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Leroy?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Leroy to be higher than in 7% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding36%Tornadoes31%Cold waves13%Heat waves6%Everything else15%

By hazard

What Leroy faces

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

Inland flooding

36% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

31% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 14 years in the area

Cold waves

13% of expected damage

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

Recorded about once a year in the area

Heat waves

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 17 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Leroy flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McLennan County.

Disasters that hit Leroy

1 federal disaster brought FEMA money here

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

Brought FEMA money into LeroyDeclared for McLennan County only

2021

Severe Winter Storms

2 households applied for aid

McLennan County has had 18 natural disasters declared since 1953, most often severe storms 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. Leroy 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 Leroy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Leroy. 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.