Natural hazards · Southlake

Southlake, TX natural hazards

Most of the natural-hazard damage FEMA expects in Southlake comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 26 claims here since 1981. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Southlake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Southlake to be higher than in 48% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes21%Hail21%Heat waves5%Everything else5%

By hazard

What Southlake faces

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

Inland flooding

48% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

21% of expected damage

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

Hail

21% of expected damage

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

Recorded about 10 times a year in the area

Heat waves

5% of expected damage

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

Recorded about 19 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold 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 Southlake flood?

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

26paid claims since 1981

$741Kpaid to owners

3homes flooded more than once

19812026

Biggest named events

Early summer storms: 1 claim, $238K
Thunderstorms: 1 claim, $60K
Texas Spring Flooding: 1 claim, $18K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Tarrant County.

What’s been done with FEMA grants

27storm safe rooms built

Disasters that hit Southlake

3 federal disasters brought FEMA money here

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

Brought FEMA money into SouthlakeDeclared for Tarrant County only

2021

Severe Winter Storms

270 households applied for aid $45K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid

2007

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $3K aid approved

Tarrant County has had 23 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Southlake

Southlake and the towns around it

Very lowLowModerateHighVery high

Southlakemostly inland floodingModerate

Colleyvillemostly inland floodingModerate

Kellermostly inland floodingModerate

Trophy Clubmostly inland floodingModerate

Grapevinemostly inland floodingModerate

Westlakemostly inland floodingLow

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. Southlake covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Southlake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Southlake. 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 Southlake total about $20.6M 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.