For ice storms, Lynch Township’s building-damage rate is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Lynch Township gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (61%), then earthquakes (13%). FEMA’s files show no paid flood insurance claims here.
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 Lynch Township 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
Earthquakes
Tornadoes
Ice storms
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 Lynch Township’s grade
River and rain flooding is 61% of the building damage FEMA expects in Lynch Township, and Lynch Township’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Ice storms add 8%, at a rate in the top 2% of U.S. census tracts.
C+ higher expected damage per building than 63% of U.S. towns (21,298).
Lynch Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $770K a year in losses across Lynch Township: $251K to buildings, the rest to people and crops.
Does Lynch Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lynch Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lynch Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Texas County.14 federal disasters brought FEMA money to Lynch Township
Disasters that paid out in Lynch Township itself (aid to households or repair grants to Lynch Township), newest first, with that year’s flood claims.
- 2024Severe Storms, Tornadoes, Straight-line Winds, and Flooding$586K to Lynch Township for repairs
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding$925K to Lynch Township for repairs
- 2019Severe Storms, Tornadoes, and Flooding$464K to Lynch Township for repairs
- 2017Severe Storms, Tornadoes, Straight-line Winds and Flooding$249K to Lynch Township for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$84K to Lynch Township for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$34K to Lynch Township for repairs
Show all 14
- 2013Severe Storms, Straight-line Winds and Flooding$130K to Lynch Township for repairs
- 2013Severe Storms, Straight-line Winds, Tornadoes, and Flooding$16K to Lynch Township for repairs
- 2011Severe Storms, Tornadoes, and Flooding$24K to Lynch Township for repairs
- 2009Severe Storms, Tornadoes, and Flooding$14K to Lynch Township for repairs
- 2008Severe Storms, Flooding, and a Tornado$97K to Lynch Township for repairs
- 2008Severe Storms and Flooding$100K to Lynch Township for repairs
- 2007Severe Winter Storms and Flooding$2K to Lynch Township for repairs
- 2002Severe Storms, Tornadoes and Flooding$256K to Lynch Township for repairs
Texas County has had 23 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Lynch Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lynch Township archive →Lynch Township and its neighbors
Lynch Township is 3rd of the 5 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 |
|---|---|---|---|
| Piney Township | C+more damage than 60% | river and rain flooding | — |
| Sherrill Township | C+more damage than 61% | river and rain flooding | — |
| Lynch Township | C+more damage than 63% | river and rain flooding | 0 |
| Roubidoux Township | Cmore damage than 66% | river and rain flooding | — |
| Jackson Township | Cmore damage than 74% | river and rain flooding | — |
| Boone Township | — | 927 residents; we grade 1,000+ | |
| Upton Township | — | 530 residents; we grade 1,000+ | |
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 Lynch Township 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Lynch Township
Is Lynch Township at risk for natural disasters?
On FEMA’s National Risk Index, Lynch Township has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (61%) and earthquakes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lynch Township 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 Texas County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Lynch Township?
FEMA’s Community Rating System list shows no discount for Lynch Township’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 Lynch Township?
By FEMA money that reached Lynch Township, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): $925K to Lynch Township for repairs.
Is Lynch Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (61%), and Lynch Township’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lynch Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lynch Township’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.