FEMA puts Lytle’s expected hazard damage per building below that of 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lytle gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns, #111 of 642 in Texas. Most of that expected damage is river and rain flooding (72%). Flood insurance has paid 3 claims here since 2004.
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 Lytle 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 Lytle’s grade
River and rain flooding is 72% of the building damage FEMA expects in Lytle, and Lytle’s rate of river and rain flooding damage is lower than 66% of U.S. census tracts. Wildfire adds 4%, at a rate in the top 9% of U.S. census tracts.
A− #111 of 642 in Texas; lower expected damage per building than 78% of U.S. towns (21,298).
Lytle’s residents live in 5 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, Lytle has less expected damage per building than 83% of Texas towns.
In dollars, FEMA expects about $815K a year in losses across Lytle: $448K to buildings, the rest to people and crops.
Does Lytle flood? Rarely: 3 flood claims since 2004
Every paid claim on a federal flood insurance policy in Lytle, from FEMA’s records: 3.0 per 1,000 homes, fewer than 52% of the 13,809 U.S. towns with a flood insurance record.
Lytle isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Atascosa County.3 federal disasters brought FEMA money to Lytle
Disasters that paid out in Lytle itself (aid to households or repair grants to the City of Lytle), newest first, with that year’s flood claims.
- 2021Severe Winter Storms36 households applied for aid$11K aid approved1 flood claim paid that year
- 2007Severe Storms, Tornadoes, and Flooding2 households applied for aid$2K aid approved
- 2007Severe Storms and Tornadoes19 households applied for aid$5K aid approved
Atascosa County has had 15 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Atascosa County, 2025–2025.
Old photos of Lytle after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lytle archive →Get ready for what Lytle 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 Lytle
Is Lytle at risk for natural disasters?
On FEMA’s National Risk Index, Lytle has lower expected damage per building than 78% of U.S. towns: A− for hazard risk, #111 of 642 in Texas. Most of the expected damage is river and rain flooding (72%) and hail (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lytle flood?
Flood insurance has paid 3 claims in Lytle since 2004, $27K in all, or 3.0 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record.
Is Lytle 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 Atascosa County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Lytle?
FEMA’s Community Rating System list shows no discount for Lytle’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 Lytle?
By FEMA money that reached Lytle, Severe Winter Storms (2021): 36 households applied for aid, $11K approved.
Is Lytle at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Lytle’s rate for it is lower than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lytle.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lytle’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.