Natural hazards · Lockhart

Lockhart, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lockhart comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1998. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lockhart?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lockhart to be higher than in 29% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes18%Strong wind7%Everything else18%

By hazard

What Lockhart faces

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

Inland flooding

58% of expected damage

Below average · higher than 28% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 78% of U.S. places

Strong wind

7% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Lockhart flood?

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

3paid claims since 1998

$135Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Caldwell County.

Disasters that hit Lockhart

6 federal disasters brought FEMA money here

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

Brought FEMA money into LockhartDeclared for Caldwell County only

2021

Severe Winter Storms

153 households applied for aid $81K aid approved $19K to the City of Lockhart for repairs

2017

Hurricane Harvey

89 households applied for aid $53K aid approved $62K to the City of Lockhart for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

34 households applied for aid $94K aid approved

2011

Wildfires

2 households applied for aid $135 aid approved

2005

Extreme Wildfire Threat

1 household applied for aid

1998

Tx-Flooding 10/18/98

$17K to the City of Lockhart for repairs

Caldwell County has had 19 natural disasters declared since 1953, most often fires 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. Lockhart covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Lockhart’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lockhart. 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 Lockhart total about $4.2M 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.