Natural hazards · Westlake

Westlake, TX natural hazards

Most of the natural-hazard damage FEMA expects in Westlake comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Westlake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Westlake to be higher than in 38% of U.S. communities, mostly from inland flooding and hail.

Inland flooding41%Hail25%Tornadoes22%Heat waves6%Everything else6%

By hazard

What Westlake faces

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

Inland flooding

41% of expected damage

Below average · higher than 28% of U.S. places

Recorded about 5 times a year in the area

Hail

25% of expected damage

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

Recorded about 10 times a year in the area

Tornadoes

22% of expected damage

Well above average · higher than 84% of U.S. places

Heat waves

6% of expected damage

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

Recorded about 19 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold 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 Westlake flood?

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

of all homes
are insured

No community discount. Westlake 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.

Disasters that hit Westlake

2 federal disasters brought FEMA money here

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

Brought FEMA money into WestlakeDeclared for Tarrant County only

2021

Severe Winter Storms

6 households applied for aid $1K aid approved

2007

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $12K aid approved

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

Around Westlake

Westlake and the towns around it

Very lowLowModerateHighVery high

Kellermostly inland floodingModerate

Southlakemostly inland floodingModerate

Trophy Clubmostly inland floodingModerate

Westlakemostly inland floodingLow

Roanokemostly tornadoesLow

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. Westlake covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Westlake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Westlake. 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 Westlake total about $4.2M 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.