Natural hazards · Lone Star

Lone Star, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lone Star comes from tornadoes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2021.

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

Expected damage

How exposed is Lone Star?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lone Star to be higher than in 49% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes32%Inland flooding29%Ice storms10%Hail10%Strong wind7%Everything else12%

By hazard

What Lone Star faces

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

Tornadoes

32% of expected damage

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

Recorded about once every 9 years in the area

Inland flooding

29% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once every 3 years in the area

Ice storms

10% of expected damage

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

Recorded about once a year in the area

Hail

10% of expected damage

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

Recorded about 6 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Lone Star flood?

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

1paid claims since 2021

$533paid to owners

0homes flooded more than once

20212026

of all homes
are insured

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

Insurance rates: Morris County.

Disasters that hit Lone Star

Federal disasters declared here

None of the disasters declared for Morris County shows FEMA aid or repair money reaching Lone Star itself in FEMA’s records.

Brought FEMA money into Lone StarDeclared for Morris County only

Morris County has had 13 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. Lone Star 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 Star’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lone Star. 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.