Natural hazards · Bryan

Bryan, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bryan comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 246 claims here since 1981. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bryan?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bryan to be higher than in 17% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding31%Cold waves26%Tornadoes24%Heat waves5%Everything else15%

By hazard

What Bryan faces

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

Inland flooding

31% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once a year in the area

Cold waves

26% of expected damage

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

Recorded about once a year in the area

Tornadoes

24% of expected damage

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

Heat waves

5% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 12 times a year in the area

Lower here

HurricanesHailIce 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 Bryan flood?

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

246paid claims since 1981

$5.1Mpaid to owners

43homes flooded more than once

19812026

Biggest named events

Early summer severe storms: 54 claims, $2.3M
Early summer storms: 7 claims, $149K
Hurricane Harvey: 4 claims, $36K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (7) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Bryan is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Brazos County.

What’s been done with FEMA grants

5flood-prone properties bought out and cleared

1storm safe rooms built

Disasters that hit Bryan

5 federal disasters brought FEMA money here

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

Brought FEMA money into BryanDeclared for Brazos County only

2021

Severe Winter Storms

1,112 households applied for aid $463K aid approved $196K to the City of Bryan for repairs

2016

Severe Storms and Flooding

405 households applied for aid $813K aid approved $611K to the City of Bryan for repairs

2008

Hurricane Ike

1 household applied for aid $358K to the City of Bryan for repairs

2005

Hurricane Rita

$18K to the City of Bryan for repairs

2005

Hurricane Katrina Evacuation

$98K to the City of Bryan for repairs

Brazos County has had 14 natural disasters declared since 1953, most often hurricanes 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. Bryan covers 23 census tracts, combined by population.

Money that reached townFlood claims are matched to Bryan’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bryan. 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 Bryan total about $19.6M 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.