Laredo, Texas: natural disaster risk
How exposed Laredo is to floods, storms and other hazards, from FEMA and NOAA records for Webb County.
Laredo is a city of 257,619 people in Webb County, Texas. FEMA's National Risk Index rates Webb County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, cold wave and heat wave, with about $46.5 million in expected losses a year across the county. The weather service has logged 414 storm reports in the county since 1956, including 10 tornadoes and 116 floods. NOAA hurricane records show 4 hurricanes and 15 tropical storms passing within 65 miles of the county's center. About 0.7% of homes in the county carry federal flood insurance.
Risk figures are for Webb County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Laredo
Full Webb County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
- Check that cooling works before summer.
- Know where the nearest cooling center is.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $25M | |
| Cold wave | $8M | |
| Heat wave | $7M | |
| Hurricane | $2M | |
| Tornado | $2M | |
| Hail | $984K | |
| Strong wind | $379K | |
| Lightning | $168K | |
| Earthquake | $117K | |
| Winter weather | $109K | |
| Ice storm | $106K | |
| Wildfire | $66K |
Homes in Laredo
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Webb County
Common questions about Laredo
Is Laredo safe from natural disasters?
Laredo is in Webb County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, cold wave, heat wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Laredo?
By expected yearly losses in Webb County, the top hazards are inland flooding (Moderate), cold wave (High), heat wave (High). Webb County has been part of 21 federal disaster or emergency declarations for natural events.
Does Laredo get tornadoes?
Yes. NOAA records list 10 tornadoes in Webb County since 1950; the strongest was an F3 tornado on May 25, 1959. FEMA rates tornado risk in the county moderate.
Do I need flood insurance in Laredo?
Standard home insurance does not cover floods. In Webb County, about 0.7% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.