Natural hazards · Lott

Lott, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lott comes from inland flooding, and overall the risk is very 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 Lott?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lott to be higher than in 17% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding31%Tornadoes29%Cold waves11%Hurricanes7%Hail6%Everything else17%

By hazard

What Lott faces

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

Inland flooding

31% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Tornadoes

29% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 14 years in the area

Cold waves

11% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

7% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 20 years in the area

Hail

6% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat 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 Lott flood?

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

of all homes
are insured

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

Insurance rates: Falls County.

Disasters that hit Lott

2 federal disasters brought FEMA money here

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

Brought FEMA money into LottDeclared for Falls County only

2024

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

59 households applied for aid $150K aid approved $103K to the City of Lott for repairs

2021

Severe Winter Storms

54 households applied for aid $68K aid approved $6K to the City of Lott for repairs

Falls County has had 12 natural disasters declared since 1953, most often floods 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. Lott 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 Lott’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lott. 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.