Lowry Crossing’s building-damage rate from hail is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Lowry Crossing gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns, #384 of 642 in Texas. Most of that expected damage is river and rain flooding (56%), then hail (33%). Flood insurance has paid 1 claim here since 2022.
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 Lowry Crossing 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 Lowry Crossing’s grade
River and rain flooding is 56% of the building damage FEMA expects in Lowry Crossing, and Lowry Crossing’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Hail adds 33%, at a rate in the top 1% of U.S. census tracts.
C+ #384 of 642 in Texas; higher expected damage per building than 58% of U.S. towns (21,298).
All of Lowry Crossing’s residents live in one census tract; the figures are that tract’s.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Lowry Crossing has more expected damage per building than 60% of Texas towns.
In dollars, FEMA expects about $1.1M a year in losses across Lowry Crossing: $410K to buildings, the rest to people and crops.
Does Lowry Crossing flood? Rarely: 1 flood claim since 2022
Every paid claim on a federal flood insurance policy in Lowry Crossing, from FEMA’s records: 2.0 per 1,000 homes, fewer than 62% of the 13,809 U.S. towns with a flood insurance record.
Lowry Crossing 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 Lowry Crossing
Disasters that paid out in Lowry Crossing itself (aid to households or repair grants to the City of Lowry Crossing), newest first, with that year’s flood claims.
- 2007Severe Storms, Tornadoes, and Flooding$30K to the City of Lowry Crossing for repairs
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 Lowry Crossing after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lowry Crossing archive →Lowry Crossing and its neighbors
Lowry Crossing is 2nd 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 Lowry Crossing 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 Lowry Crossing
Is Lowry Crossing at risk for natural disasters?
On FEMA’s National Risk Index, Lowry Crossing has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk, #384 of 642 in Texas. Most of the expected damage is river and rain flooding (56%) and hail (33%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lowry Crossing flood?
Flood insurance has paid 1 claim in Lowry Crossing since 2022, $21K in all, or 2.0 per 1,000 homes, fewer than 62% of U.S. towns with a flood insurance record.
Is Lowry Crossing 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 Lowry Crossing?
FEMA’s Community Rating System list shows no discount for Lowry Crossing’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 Lowry Crossing?
By FEMA money that reached Lowry Crossing, Severe Storms, Tornadoes, and Flooding (2007): $30K to the City of Lowry Crossing for repairs.
Is Lowry Crossing at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (56%), and Lowry Crossing’s rate for it is lower than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lowry Crossing.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lowry Crossing’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.