Natural hazards · Bastrop

Bastrop, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bastrop comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 24 claims here since 1985. 7 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Bastrop?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bastrop to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding77%Tornadoes12%Everything else11%

By hazard

What Bastrop faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

77% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 74% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Bastrop flood?

Every paid claim on a federal flood insurance policy in Bastrop, from FEMA’s records.

24paid claims since 1985

$591Kpaid to owners

1homes flooded more than once

19852026

Biggest named events

Early summer severe storms: 15 claims, $439K
Fall severe storms: 5 claims, $84K
Early summer storms: 2 claims, $50K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bastrop isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Bastrop County.

What’s been done with FEMA grants

12flood-prone properties bought out and cleared

3homes raised above flood level

1buildings floodproofed

1storm safe rooms built

Disasters that hit Bastrop

7 federal disasters brought FEMA money here

Disasters the President declared that paid out in Bastrop itself: aid to households, or repair grants to the City of Bastrop.

Brought FEMA money into BastropDeclared for Bastrop County only

2021

Severe Winter Storms

372 households applied for aid $265K aid approved $40K to the City of Bastrop for repairs

2017

Hurricane Harvey

229 households applied for aid $182K aid approved $265K to the City of Bastrop for repairs

2016

Severe Storms and Flooding

236 households applied for aid $867K aid approved $62K to the City of Bastrop for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

228 households applied for aid $437K aid approved

2011

Wildfires

2,019 households applied for aid $5.6M aid approved $14K to the City of Bastrop for repairs

2005

Hurricane Rita

$11K to the City of Bastrop for repairs

1998

Tx-Flooding 10/18/98

$24K to the City of Bastrop for repairs

Bastrop County has had 24 natural disasters declared since 1953, most often fires and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Bastrop covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bastrop’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bastrop. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Bastrop total about $3.9M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.