More hazard damage per building is expected in Weston Lakes than in 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Weston Lakes gets a C− for hazard risk: higher expected damage per building than 85% of U.S. towns, #604 of 642 in Texas. Most of that expected damage is river and rain flooding (76%), then hurricanes (20%). Flood insurance has paid 35 claims here since 1991.
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 Weston Lakes 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
Hurricanes
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 Weston Lakes’ grade
River and rain flooding is 76% of the building damage FEMA expects in Weston Lakes, and Weston Lakes’ rate of river and rain flooding damage is higher than 88% of U.S. census tracts. Next is hurricanes at 20% (higher than 88% of U.S. census tracts).
C− #604 of 642 in Texas; higher expected damage per building than 85% of U.S. towns (21,298).
All of Weston Lakes’ 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, Weston Lakes has more expected damage per building than 94% of Texas towns.
In dollars, FEMA expects about $3.0M a year in losses across Weston Lakes: $2.4M to buildings, the rest to people and crops.
Does Weston Lakes flood? Sometimes: 35 flood claims since 1991
Every paid claim on a federal flood insurance policy in Weston Lakes, from FEMA’s records: 22.1 per 1,000 homes, more than 85% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Harvey33 claims · $7.5M
Weston Lakes isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fort Bend County.2 federal disasters brought FEMA money to Weston Lakes
Disasters that paid out in Weston Lakes itself (aid to households or repair grants to the City of Weston Lakes), newest first, with that year’s flood claims.
- 2024Hurricane Beryl24 households applied for aid$12K aid approved
- 2017Hurricane Harvey23 households applied for aid$226K aid approved$56K to the City of Weston Lakes for repairs33 flood claims paid for it, $7.5M
Fort Bend County has had 21 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods. 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 Fort Bend County, 2006–2006.
Old photos of Weston Lakes after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Weston Lakes archive →Get ready for what Weston Lakes 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Weston Lakes
Is Weston Lakes at risk for natural disasters?
On FEMA’s National Risk Index, Weston Lakes has higher expected damage per building than 85% of U.S. towns: C− for hazard risk, #604 of 642 in Texas. Most of the expected damage is river and rain flooding (76%) and hurricanes (20%). 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 Weston Lakes flood?
Flood insurance has paid 35 claims in Weston Lakes since 1991, $7.5M in all, or 22.1 per 1,000 homes, more than 85% of U.S. towns with a flood insurance record. The most claims came from Hurricane Harvey (33).
Is Weston Lakes 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 Fort Bend County, 42% of homes in mapped flood zones carry federal flood insurance, and 15.4% of all homes do.
How much is flood insurance in Weston Lakes?
FEMA’s Community Rating System list shows no discount for Weston Lakes’ 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 Weston Lakes?
By FEMA money that reached Weston Lakes, Hurricane Harvey (2017): 23 households applied for aid, $226K approved, and $56K to the City of Weston Lakes for repairs. By flood claims, Hurricane Harvey: 33 paid, $7.5M.
Is Weston Lakes at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Weston Lakes’ rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Weston Lakes.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Weston Lakes’ 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.