Natural hazards · Lone Oak

Lone Oak, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lone Oak comes from tornadoes, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lone Oak?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Oak to be higher than in 38% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes33%Inland flooding33%Cold waves11%Heat waves7%Hail5%Ice storms5%Everything else6%

By hazard

What Lone Oak faces

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

Tornadoes

33% of expected damage

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

Recorded about once every 9 years in the area

Inland flooding

33% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 2 times a year in the area

Cold waves

11% of expected damage

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

Recorded about once a year in the area

Heat waves

7% of expected damage

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

Recorded about 16 times a year in the area

Hail

5% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 6 times a year in the area

Ice storms

5% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesWinter 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 Lone Oak flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hunt County.

Disasters that hit Lone Oak

2 federal disasters brought FEMA money here

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

Brought FEMA money into Lone OakDeclared for Hunt County only

2021

Severe Winter Storms

42 households applied for aid $32K aid approved

2007

Severe Storms, Tornadoes, and Flooding

$19K to the City of Lone Oak for repairs

Hunt County has had 13 natural disasters declared since 1953, most often fires 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. Lone Oak 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 Lone Oak’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lone Oak. 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.