Natural hazards · Lovelady

Lovelady, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lovelady comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2015. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lovelady?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lovelady to be higher than in 20% of U.S. communities, mostly from cold waves and lightning.

Cold waves32%Lightning22%Inland flooding16%Tornadoes9%Hurricanes6%Heat waves5%Everything else11%

By hazard

What Lovelady faces

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

Cold waves

32% of expected damage

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

Recorded about once a year in the area

Lightning

22% of expected damage

Above average · higher than 68% of U.S. places

Inland flooding

16% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 7 years in the area

Hurricanes

6% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 16 years in the area

Heat waves

5% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 12 times a year in the area

Lower here

HailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windDrought

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 Lovelady flood?

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

3paid claims since 2015

$37Kpaid to owners

1homes flooded more than once

20152026

Biggest named events

Early summer storms: 1 claim, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Houston County.

Disasters that hit Lovelady

3 federal disasters brought FEMA money here

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

Brought FEMA money into LoveladyDeclared for Houston County only

2021

Severe Winter Storms

39 households applied for aid $14K aid approved

2008

Hurricane Ike

144 households applied for aid $37K aid approved

2005

Hurricane Rita

4 households applied for aid $14K aid approved $4K to the City of Lovelady for repairs

Houston County has had 23 natural disasters declared since 1953, most often floods 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. Lovelady 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 Lovelady’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lovelady. 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.