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AHazard risk
Natural hazards in Lacy-Lakeview · FEMA

FEMA expects less hazard damage per building in Lacy-Lakeview than in 94% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Lacy-Lakeview gets an A for hazard risk: lower expected damage per building than 94% of U.S. towns, #21 of 642 in Texas. Most of that expected damage is river and rain flooding (72%), then tornadoes (16%). Flood insurance has paid 4 claims here since 1980.

River and rain flooding 72%Tornadoes 16%Hurricanes 5%

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

less than 94%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#21 of 642 in Texas
Hazard risk
A#21 of 642
in Texas · lower than 94% of U.S. towns
Main hazard
River and rain flooding
72% of expected building damage
Flood claims
4
paid since 1980 · $15K
Flooded more than once
1
properties
Flood claims per home
1 per 1,000
fewer than 72% of U.S. towns
By hazard

What Lacy-Lakeview 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

72%of expected building damage
Well below average · lower than 83% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

16%of expected building damage
Above average · higher than 71% of U.S. census tracts
Smaller shares here
 Hurricanes Hail Strong wind Earthquakes Wildfire Cold waves top 4% Winter storms Lightning Ice storms Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts tornadoes at 40% of Lacy-Lakeview’s expected losses. Tornadoes do little damage to buildings (15.6%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Lacy-Lakeview’s grade

River and rain flooding is 72% of the building damage FEMA expects in Lacy-Lakeview, and Lacy-Lakeview’s rate of river and rain flooding damage is lower than 83% of U.S. census tracts. Next is tornadoes at 16% (higher than 71% of U.S. census tracts).

Where Lacy-Lakeview sits
Lacy-Lakeview
Least damageMiddleMost damage

A #21 of 642 in Texas; lower expected damage per building than 94% of U.S. towns (21,298).

Lacy-Lakeview’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding72%Tornadoes16%Hurricanes5%Everything else8%

The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Lacy-Lakeview has less expected damage per building than 97% of Texas towns.

In dollars, FEMA expects about $1.8M a year in losses across Lacy-Lakeview: $593K to buildings, the rest to people and crops.

A small-area figure. Lacy-Lakeview covers 5 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Lacy-Lakeview flood? Rarely: 4 flood claims since 1980

Every paid claim on a federal flood insurance policy in Lacy-Lakeview, from FEMA’s records: 1.3 per 1,000 homes, fewer than 72% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1980: 1 claim1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 1 claim1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 1 claim2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 1 claim2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198019952004
19802026
4
paid claims since 1980
$15K
paid to owners
1
homes flooded more than once
$4K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Lacy-Lakeview isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: McLennan County.
Disasters

The storms Lacy-Lakeview remembers

None of the 17 disasters declared for McLennan County shows FEMA aid or repair money reaching Lacy-Lakeview itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19801 flood claims paidNo declaration for the county that year
  2. 19951 flood claims paidNo declaration for the county that year
  3. 20041 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in Lacy-LakeviewMcLennan County only

McLennan County has had 17 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.

Were you here?

Old photos of Lacy-Lakeview after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Lacy-Lakeview archive →
Next door

Lacy-Lakeview and its neighbors

Lacy-Lakeview is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Bellmead: hazard risk A+Waco: hazard risk ABellmeadWacoLacy-Lakeview
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
BellmeadA+less damage than 98%river and rain flooding8
Lacy-LakeviewAless damage than 94%river and rain flooding4
WacoAless damage than 90%river and rain flooding113

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.

Be ready

Get ready for what Lacy-Lakeview faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Lacy-Lakeview

Is Lacy-Lakeview at risk for natural disasters?

On FEMA’s National Risk Index, Lacy-Lakeview has lower expected damage per building than 94% of U.S. towns: A for hazard risk, #21 of 642 in Texas. Most of the expected damage is river and rain flooding (72%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Lacy-Lakeview flood?

Flood insurance has paid 4 claims in Lacy-Lakeview since 1980, $15K in all, or 1.3 per 1,000 homes, fewer than 72% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.

Is Lacy-Lakeview 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 McLennan County, 33% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.

How much is flood insurance in Lacy-Lakeview?

FEMA’s Community Rating System list shows no discount for Lacy-Lakeview’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Lacy-Lakeview at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (72%), and Lacy-Lakeview’s rate for it is lower than 83% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Lacy-Lakeview.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lacy-Lakeview’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.