Natural hazards · Lueders

Lueders, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lueders comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lueders?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lueders to be higher than in 70% of U.S. communities, mostly from inland flooding and drought.

Inland flooding40%Drought16%Hail14%Wildfire12%Tornadoes9%Everything else9%

By hazard

What Lueders faces

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

Inland flooding

40% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once a year in the area

Drought

16% of expected damage

Recorded about 90 times a year in the area

Hail

14% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 6 times a year in the area

Wildfire

12% of expected damage

Well above average · higher than 97% of U.S. places

Tornadoes

9% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 3 years in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightning

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 Lueders flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jones County.

Disasters that hit Lueders

1 federal disaster brought FEMA money here

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

Brought FEMA money into LuedersDeclared for Jones County only

2021

Severe Winter Storms

4 households applied for aid

Jones County has had 20 natural disasters declared since 1953, most often severe storms and floods.

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. Lueders 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 Lueders’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lueders. 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.