FEMA expects more hazard damage per building in Lavon than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lavon gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns, #452 of 642 in Texas. Most of that expected damage is river and rain flooding (62%), then hail (28%). Flood insurance has paid 2 claims here since 2015.
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 Lavon 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
Hail
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 Lavon’s grade
River and rain flooding is 62% of the building damage FEMA expects in Lavon, and Lavon’s rate of river and rain flooding damage is higher than 62% of U.S. census tracts. Hail adds 28%, at a rate in the top 1% of U.S. census tracts.
C #452 of 642 in Texas; higher expected damage per building than 67% of U.S. towns (21,298).
Lavon’s residents live in 2 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, Lavon has more expected damage per building than 70% of Texas towns.
In dollars, FEMA expects about $2.9M a year in losses across Lavon: $1.1M to buildings, the rest to people and crops.
Does Lavon flood? Rarely: 2 flood claims since 2015
Every paid claim on a federal flood insurance policy in Lavon, from FEMA’s records: 0.9 per 1,000 homes, fewer than 79% of the 13,809 U.S. towns with a flood insurance record.
Lavon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Collin County.1 federal disaster brought FEMA money to Lavon
Disasters that paid out in Lavon itself (aid to households or repair grants to the City of Lavon), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding47 households applied for aid$25K aid approved
Collin County has had 14 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 Lavon after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lavon archive →Lavon and its neighbors
Lavon is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Lavon 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.
- 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.
- 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 Lavon
Is Lavon at risk for natural disasters?
On FEMA’s National Risk Index, Lavon has higher expected damage per building than 67% of U.S. towns: C for hazard risk, #452 of 642 in Texas. Most of the expected damage is river and rain flooding (62%) and hail (28%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lavon flood?
Flood insurance has paid 2 claims in Lavon since 2015, $83K in all, or 0.9 per 1,000 homes, fewer than 79% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Lavon 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 Collin County, 34% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Lavon?
FEMA’s Community Rating System list shows no discount for Lavon’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 Lavon?
By FEMA money that reached Lavon, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): 47 households applied for aid, $25K approved.
Is Lavon at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Lavon’s rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lavon.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lavon’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.