Natural hazards · Lorena

Lorena, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lorena comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2010. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lorena?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lorena to be higher than in 8% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding33%Tornadoes33%Cold waves15%Heat waves8%Everything else12%

By hazard

What Lorena faces

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

Inland flooding

33% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

33% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 31 years in the area

Cold waves

15% of expected damage

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

Recorded about once a year in the area

Heat waves

8% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 17 times a year in the area

Lower here

HurricanesHailIce stormsWinter 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 Lorena flood?

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

1paid claims since 2010

$5Kpaid to owners

0homes flooded more than once

20102026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McLennan County.

Disasters that hit Lorena

1 federal disaster brought FEMA money here

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

Brought FEMA money into LorenaDeclared for McLennan County only

2021

Severe Winter Storms

78 households applied for aid $27K aid approved

McLennan County has had 18 natural disasters declared since 1953, most often severe storms 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. Lorena 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 Lorena’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lorena. 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.