Natural hazards · Lindale

Lindale, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lindale comes from inland flooding, and overall the risk is very low for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lindale?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lindale to be higher than in 3% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves21%Heat waves19%Strong wind5%Everything else16%

By hazard

What Lindale faces

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

Inland flooding

40% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about 2 times a year in the area

Cold waves

21% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Heat waves

19% of expected damage

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

Recorded about 19 times a year in the area

Strong wind

5% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Lindale flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Smith County.

Disasters that hit Lindale

6 federal disasters brought FEMA money here

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

Brought FEMA money into LindaleDeclared for Smith County only

2024

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

326 households applied for aid $614K aid approved

2021

Severe Winter Storms

151 households applied for aid $96K aid approved

2016

Severe Storms and Flooding

66 households applied for aid $154K aid approved $63K to the City of Lindale for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

17 households applied for aid $10K aid approved

2008

Hurricane Ike

3 households applied for aid $3K aid approved

2007

Severe Storms, Tornadoes, and Flooding

18 households applied for aid $16K aid approved

Smith County has had 25 natural disasters declared since 1953, most often hurricanes 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. Lindale 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 Lindale’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lindale. 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.