Natural hazards · Bear Creek Ranch

Bear Creek Ranch, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bear Creek Ranch comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Bear Creek Ranch?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bear Creek Ranch to be higher than in 63% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding38%Heat waves29%Tornadoes11%Hail10%Cold waves10%Everything else2%

By hazard

What Bear Creek Ranch faces

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

Inland flooding

38% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 5 times a year in the area

Heat waves

29% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 19 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 69 years in the area

Hail

10% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 9 times a year in the area

Cold waves

10% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Bear Creek Ranch flood?

FEMA's records show no paid flood insurance claims in Bear Creek Ranch.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dallas County.

Disasters that hit Bear Creek Ranch

Federal disasters declared here

None of the disasters declared for Dallas County shows FEMA aid or repair money reaching Bear Creek Ranch itself in FEMA’s records.

Brought FEMA money into Bear Creek RanchDeclared for Dallas County only

Dallas County has had 23 natural disasters declared since 1953, most often hurricanes and severe storms.

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. Bear Creek Ranch is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.