Natural hazards · Lindsay

Lindsay, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lindsay comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 26 claims here since 1981. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lindsay?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lindsay to be higher than in 44% of U.S. communities, mostly from inland flooding and drought.

Inland flooding36%Drought23%Tornadoes20%Hail6%Wildfire5%Everything else11%

By hazard

What Lindsay 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

Below average · higher than 38% of U.S. places

Recorded about 2 times a year in the area

Drought

23% of expected damage

Recorded about 38 times a year in the area

Tornadoes

20% of expected damage

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

Recorded about once every 5 years in the area

Hail

6% of expected damage

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

Recorded about 9 times a year in the area

Wildfire

5% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong 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 Lindsay flood?

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

26paid claims since 1981

$689Kpaid to owners

3homes flooded more than once

19812026

Biggest named events

Thunderstorms: 4 claims, $351K

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cooke County.

What’s been done with FEMA grants

31storm safe rooms built

4flood-prone properties bought out and cleared

Disasters that hit Lindsay

2 federal disasters brought FEMA money here

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

Brought FEMA money into LindsayDeclared for Cooke County only

2021

Severe Winter Storms

2 households applied for aid

2007

Severe Storms, Tornadoes, and Flooding

22 households applied for aid $128K aid approved $22K to the City of Lindsay for repairs

Cooke County has had 18 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. Lindsay 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 Lindsay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lindsay. 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.