Natural hazards · Little Elm

Little Elm, TX natural hazards

Most of the natural-hazard damage FEMA expects in Little Elm comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 1994. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Little Elm?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Little Elm to be higher than in 47% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes45%Inland flooding33%Hail10%Heat waves6%Everything else7%

By hazard

What Little Elm faces

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

Tornadoes

45% of expected damage

Well above average · higher than 94% of U.S. places

Inland flooding

33% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 3 times a year in the area

Hail

10% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 9 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 18 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong 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 Little Elm flood?

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

6paid claims since 1994

$76Kpaid to owners

0homes flooded more than once

19942026

Biggest named events

Early summer storms: 2 claims, $56K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Denton County.

What’s been done with FEMA grants

9storm safe rooms built

Disasters that hit Little Elm

5 federal disasters brought FEMA money here

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

Brought FEMA money into Little ElmDeclared for Denton County only

2024

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

231 households applied for aid $137K aid approved

2021

Severe Winter Storms

559 households applied for aid $255K aid approved $169K to the City of Little Elm for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

51 households applied for aid $29K aid approved $373K to the City of Little Elm for repairs

2007

Severe Storms, Tornadoes, and Flooding

8 households applied for aid $14K aid approved $30K to the City of Little Elm for repairs

2007

Severe Storms and Tornadoes

3 households applied for aid $3K aid approved

Denton County has had 19 natural disasters declared since 1953, most often severe storms and fires.

Around Little Elm

Little Elm and the towns around it

Very lowLowModerateHighVery high

Prospermostly tornadoesModerate

Friscomostly tornadoesModerate

Little Elmmostly tornadoesModerate

Providence Villagemostly tornadoesModerate

The Colonymostly tornadoesLow

Oak Pointmostly tornadoesLow

Lakewood Villagemostly tornadoesLow

Savannahmostly tornadoesLow

Aubreymostly tornadoesLow

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. Little Elm covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Little Elm’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Little Elm. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Little Elm total about $16.6M a year, counting buildings, people and crops.

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.