Lockhart’s building-damage rate from strong wind is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Lockhart gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns, #101 of 638 in Florida. Most of that expected damage is river and rain flooding (61%), then hurricanes (21%). Flood insurance has paid 2 claims here since 2005.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Lockhart faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Strong wind
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Lockhart’s grade
River and rain flooding is 61% of the building damage FEMA expects in Lockhart, and Lockhart’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 2% of U.S. census tracts.
C+ #101 of 638 in Florida; higher expected damage per building than 63% of U.S. towns (21,298).
Lockhart’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Lockhart has less expected damage per building than 84% of Florida towns.
In dollars, FEMA expects about $3.6M a year in losses across Lockhart: $2.8M to buildings, the rest to people and crops.
Does Lockhart flood? Rarely: 2 flood claims since 2005
Every paid claim on a federal flood insurance policy in Lockhart, from FEMA’s records: 0.3 per 1,000 homes, fewer than 94% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Katrina1 claim · $26K
- The Low pressure system1 claim · $5K
Lockhart isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Orange County.4 federal disasters brought FEMA money to Lockhart
Disasters that paid out in Lockhart itself (aid to households or repair grants to Lockhart), newest first, with that year’s flood claims.
- 2022Hurricane Ian38 households applied for aid$12K aid approved
- 2017Hurricane Irma35 households applied for aid$11K aid approved
- 2004Hurricane Frances5 households applied for aid$7K aid approved
- 2004Tropical Storm Bonnie and Hurricane Charley3 households applied for aid$3K aid approved
Orange County has had 25 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Orange County, 1999–2001.
Old photos of Lockhart after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lockhart archive →Lockhart and its neighbors
Lockhart is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Fairview Shores | B+less damage than 66% | river and rain flooding | 32 |
| Altamonte Springs | C+more damage than 59% | river and rain flooding | 110 |
| Orlando | C+more damage than 60% | river and rain flooding | 312 |
| Lockhart | C+more damage than 63% | river and rain flooding | 2 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Lockhart faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Lockhart
Is Lockhart at risk for natural disasters?
On FEMA’s National Risk Index, Lockhart has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk, #101 of 638 in Florida. Most of the expected damage is river and rain flooding (61%) and hurricanes (21%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lockhart flood?
Flood insurance has paid 2 claims in Lockhart since 2005, $32K in all, or 0.3 per 1,000 homes, fewer than 94% of U.S. towns with a flood insurance record. The most claims came from Hurricane Katrina (1).
Is Lockhart in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Orange County, 44% of homes in mapped flood zones carry federal flood insurance, and 3.3% of all homes do.
How much is flood insurance in Lockhart?
FEMA’s Community Rating System list shows no discount for Lockhart’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Lockhart?
By FEMA money that reached Lockhart, Hurricane Ian (2022): 38 households applied for aid, $12K approved. By flood claims, Hurricane Katrina: 1 paid, $26K.
Is Lockhart at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (61%), and Lockhart’s rate for it is higher than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lockhart.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lockhart’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.