Natural hazards · Brady

Brady, TX natural hazards

Most of the natural-hazard damage FEMA expects in Brady comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2025. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Brady?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Brady to be higher than in 38% of U.S. communities, mostly from inland flooding.

Inland flooding59%Tornadoes14%Hail7%Lightning5%Everything else16%

By hazard

What Brady faces

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

Inland flooding

59% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

Above average · higher than 68% of U.S. places

Hail

7% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Lightning

5% of expected damage

Below average · higher than 36% of U.S. places

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windDrought

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 Brady flood?

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

1paid claims since 2025

$19Kpaid to owners

0homes flooded more than once

20252026

Biggest named events

2025 July Central TX Flooding: 1 claim, $19K

of all homes
are insured

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

Insurance rates: McCulloch County.

What’s been done with FEMA grants

2flood-prone homes bought out and moved

1flood-prone properties bought out and cleared

Disasters that hit Brady

1 federal disaster brought FEMA money here

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

Brought FEMA money into BradyDeclared for McCulloch County only

2025

Severe Storms, Straight-Line Winds, and Flooding

185 households applied for aid $1.0M aid approved $23K to the City of Brady for repairs

McCulloch County has had 15 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. Brady covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Brady’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Brady. 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 Brady total about $1.7M 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.