Photo: Billy Hathorn · CC BY-SA 3.0Storms, floods and disasters in Leakey
Leakey isn’t graded for hazard risk: Leakey has 721 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 1997.
What Leakey 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
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 Leakey flood? Rarely: 4 flood claims since 1997
Every paid claim on a federal flood insurance policy in Leakey, from FEMA’s records.
- The Torrential rain1 claim · $8K
Leakey isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Real County.1 federal disaster brought FEMA money to Leakey
Disasters that paid out in Leakey itself (aid to households or repair grants to the City of Leakey), newest first, with that year’s flood claims.
- 2002Severe Storms and Flooding$8K to the City of Leakey for repairs1 flood claim paid that year
Real County has had 15 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.
Old photos of Leakey after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Leakey archive →Get ready for what Leakey 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.
- 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 Leakey
Does Leakey flood?
Flood insurance has paid 4 claims in Leakey since 1997, $17K in all. 1 properties have flooded more than once. The most claims came from Torrential rain (1).
Is Leakey 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 Real County, 6.3% of all homes carry federal flood insurance.
How much is flood insurance in Leakey?
FEMA’s Community Rating System list shows no discount for Leakey’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 Leakey?
By FEMA money that reached Leakey, Severe Storms and Flooding (2002): $8K to the City of Leakey for repairs. By flood claims, Torrential rain: 1 paid, $8K.
Storm stories
Memories, warnings and help from neighbors in Leakey.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Leakey’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.