Natural hazards · Lucas

Lucas, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lucas comes from tornadoes, and overall the risk is high for a U.S. community. Flood insurance has paid 12 claims here since 1991. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lucas?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lucas to be higher than in 63% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes54%Inland flooding26%Hail14%Everything else6%

By hazard

What Lucas faces

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

Tornadoes

54% of expected damage

Well above average · higher than 79% of U.S. places

Inland flooding

26% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 2 times a year in the area

Hail

14% of expected damage

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

Recorded about 9 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat 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 Lucas flood?

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

12paid claims since 1991

$591Kpaid to owners

3homes flooded more than once

19912026

Biggest named events

Early summer severe storms: 2 claims, $26K
Early summer storms: 1 claim, $135K

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. Lucas isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Collin County.

What’s been done with FEMA grants

8storm safe rooms built

Disasters that hit Lucas

2 federal disasters brought FEMA money here

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

Brought FEMA money into LucasDeclared for Collin County only

2024

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

3 households applied for aid $3K aid approved

2021

Severe Winter Storms

20 households applied for aid $34K aid approved

Collin County has had 15 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Lucas

Lucas and the towns around it

Very lowLowModerateHighVery high

Parkermostly tornadoesHigh

Lucasmostly tornadoesHigh

Fairviewmostly tornadoesHigh

Allenmostly tornadoesHigh

Wyliemostly tornadoesModerate

Seis Lagosmostly tornadoesModerate

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. Lucas covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Lucas’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lucas. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Lucas total about $6.2M a year, counting buildings, people and crops.

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.