Natural hazards · Lumberton

Lumberton, TX natural hazards

Most of the natural-hazard damage FEMA expects in Lumberton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 423 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lumberton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lumberton to be higher than in 59% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding40%Hurricanes19%Tornadoes19%Cold waves9%Everything else13%

By hazard

What Lumberton 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 57% of U.S. places

Recorded about once a year in the area

Hurricanes

19% of expected damage

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

Recorded about once every 7 years in the area

Tornadoes

19% of expected damage

Well above average · higher than 77% of U.S. places

Cold waves

9% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Lumberton flood?

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

423paid claims since 1979

$24.3Mpaid to owners

64homes flooded more than once

19792026

Biggest named events

Hurricane Harvey: 90 claims, $16.1M
Tropical Storm Paul: 53 claims, $2.1M
Hurricane Rita: 36 claims, $1.1M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (20) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hardin County.

What’s been done with FEMA grants

23flood-prone properties bought out and cleared

1storm safe rooms built

Disasters that hit Lumberton

9 federal disasters brought FEMA money here

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

Brought FEMA money into LumbertonDeclared for Hardin County only

2024

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

152 households applied for aid $406K aid approved

2021

Severe Winter Storms

98 households applied for aid $46K aid approved

2017

Hurricane Harvey

3,564 households applied for aid $16.3M aid approved $468K to the City of Lumberton for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

18 households applied for aid $28K aid approved

2008

Hurricane Ike

3,921 households applied for aid $1.0M aid approved $1.2M to the City of Lumberton for repairs

2005

Hurricane Rita

8,110 households applied for aid $14.8M aid approved $3.3M to the City of Lumberton for repairs

2005

Hurricane Katrina Evacuation

$4K to the City of Lumberton for repairs

2002

Severe Storms, Tornadoes and Flooding

31 households applied for aid $69K aid approved

2001

Tx-Tropical Storm Allison-06-06-2001

$1K to the City of Lumberton for repairs

Hardin County has had 24 natural disasters declared since 1953, most often hurricanes 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. Lumberton covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Lumberton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lumberton. 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 Lumberton total about $4.5M 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.