Natural hazards · Bear Creek

Bear Creek, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bear Creek comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2017. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bear Creek?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bear Creek to be higher than in 41% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes22%Hail7%Heat waves5%Cold waves5%Everything else9%

By hazard

What Bear Creek faces

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

Inland flooding

52% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

22% of expected damage

Above average · higher than 72% of U.S. places

Hail

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 4 times a year in the area

Heat waves

5% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 10 times a year in the area

Cold waves

5% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 2 years in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 flood?

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

1paid claims since 2017

$131Kpaid to owners

0homes flooded more than once

20172026

Biggest named events

Hurricane Harvey: 1 claim, $131K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hays County.

Disasters that hit Bear Creek

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Bear Creek itself: aid to households, or repair grants to the Village of Bear Creek.

Brought FEMA money into Bear CreekDeclared for Hays County only

2013

Severe Storms and Flooding

$2K to the Village of Bear Creek for repairs

1998

Tx-Flooding 10/18/98

$2K to the Village of Bear Creek for repairs

Hays County has had 21 natural disasters declared since 1953, most often floods and fires.

Around Bear Creek

Bear Creek and the towns around it

Very lowLowModerateHighVery high

Bear Creekmostly inland floodingModerate

Austinmostly inland floodingModerate

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 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’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Bear Creek. 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.