Photo: Leaflet · CC BY-SA 3.0Storms, floods and disasters in Earth
Earth isn’t graded for hazard risk: Earth has 925 residents; we grade towns of 1,000 or more.
What Earth faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hail
River and rain flooding
Wildfire
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.
Does Earth flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Earth. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Earth isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lamb County.2 federal disasters brought FEMA money to Earth
Disasters that paid out in Earth itself (aid to households or repair grants to the City of Earth), newest first, with that year’s flood claims.
- 2015Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding$54K to the City of Earth for repairs
- 2010Hurricane Alex$18K to the City of Earth for repairs
Lamb County has had 11 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Earth after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Earth archive →Get ready for what Earth faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Earth
Is Earth 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 Lamb County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Earth?
FEMA’s Community Rating System list shows no discount for Earth’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 Earth?
By FEMA money that reached Earth, Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2015): $54K to the City of Earth for repairs.
Storm stories
Memories, warnings and help from neighbors in Earth.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Earth’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.