Photo: Travis K. Witt · CC BY-SA 4.0On FEMA’s figures, Lampasas faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Lampasas gets a B− for hazard risk: lower expected damage per building than 54% of U.S. towns, #289 of 642 in Texas. Most of that expected damage is river and rain flooding (75%). Flood insurance has paid 12 claims here since 1990.
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 Lampasas 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
Tornadoes
Hail
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 Lampasas’ grade
River and rain flooding is 75% of the building damage FEMA expects in Lampasas, and Lampasas’ rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Wildfire adds 4%, at a rate in the top 8% of U.S. census tracts.
B− #289 of 642 in Texas; lower expected damage per building than 54% of U.S. towns (21,298).
Lampasas’ residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Lampasas has less expected damage per building than 55% of Texas towns.
In dollars, FEMA expects about $2.3M a year in losses across Lampasas: $1.8M to buildings, the rest to people and crops.
Does Lampasas flood? Sometimes: 12 flood claims since 1990
Every paid claim on a federal flood insurance policy in Lampasas, from FEMA’s records: 3.6 per 1,000 homes, more than 53% of the 13,809 U.S. towns with a flood insurance record.
- The 2025 July Central TX Flooding2 claims · $25K
- The Thunderstorms1 claim · $1K
Lampasas isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lampasas County.4 federal disasters brought FEMA money to Lampasas
Disasters that paid out in Lampasas itself (aid to households or repair grants to the City of Lampasas), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, and Flooding15 households applied for aid$121K aid approved$247K to the City of Lampasas for repairs2 flood claims paid that year
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding$49K to the City of Lampasas for repairs
- 2021Severe Winter Storms5 households applied for aid$4K aid approved
- 2007Severe Storms, Tornadoes, and Flooding97 households applied for aid$97K aid approved5 flood claims paid that year
Lampasas County has had 12 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Lampasas County, 1999–2000.
Old photos of Lampasas after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lampasas archive →Get ready for what Lampasas 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.
- 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.
- 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.
- 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 Lampasas
Is Lampasas at risk for natural disasters?
On FEMA’s National Risk Index, Lampasas has lower expected damage per building than 54% of U.S. towns: B− for hazard risk, #289 of 642 in Texas. Most of the expected damage is river and rain flooding (75%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lampasas flood?
Flood insurance has paid 12 claims in Lampasas since 1990, $129K in all, or 3.6 per 1,000 homes, more than 53% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from 2025 July Central TX Flooding (2).
Is Lampasas 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 Lampasas County, 1.3% of all homes carry federal flood insurance.
How much is flood insurance in Lampasas?
FEMA’s Community Rating System list shows no discount for Lampasas’ 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 Lampasas?
By FEMA money that reached Lampasas, Severe Storms, Straight-line Winds, and Flooding (2025): 15 households applied for aid, $121K approved, and $247K to the City of Lampasas for repairs. By flood claims, 2025 July Central TX Flooding: 2 paid, $25K.
Is Lampasas at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Lampasas’ rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lampasas.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lampasas’ 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.