Natural hazards · Luling

Luling, TX natural hazards

Most of the natural-hazard damage FEMA expects in Luling comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 12 claims here since 1998. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Luling?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Luling to be higher than in 34% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding57%Tornadoes19%Strong wind7%Hail5%Everything else12%

By hazard

What Luling faces

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

Inland flooding

57% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 78% of U.S. places

Strong wind

7% of expected damage

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

Recorded about once a year in the area

Hail

5% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Luling flood?

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

12paid claims since 1998

$549Kpaid to owners

0homes flooded more than once

19982026

Biggest named events

Early summer storms: 1 claim, $20K
Hurricane Harvey: 1 claim, $68K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Caldwell County.

Disasters that hit Luling

8 federal disasters brought FEMA money here

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

Brought FEMA money into LulingDeclared for Caldwell County only

2021

Severe Winter Storms

86 households applied for aid $31K aid approved $67K to the City of Luling for repairs

2017

Hurricane Harvey

42 households applied for aid $43K aid approved $237K to the City of Luling for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

5 households applied for aid $16K aid approved $217K to the City of Luling for repairs

2013

Severe Storms and Flooding

$38K to the City of Luling for repairs

2011

Wildfires

1 household applied for aid $30K aid approved

2005

Hurricane Rita

$4K to the City of Luling for repairs

2005

Hurricane Katrina Evacuation

$21K to the City of Luling for repairs

1998

Tx-Flooding 10/18/98

$102K to the City of Luling for repairs

Caldwell County has had 19 natural disasters declared since 1953, most often fires 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. Luling 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 Luling’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Luling. 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.