Natural hazards · Cedar Creek

Cedar Creek, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cedar Creek comes from inland flooding, and overall the risk is low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cedar Creek?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cedar Creek to be higher than in 23% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding61%Tornadoes19%Cold waves7%Everything else14%

By hazard

What Cedar Creek faces

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

Inland flooding

61% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 40 years in the area

Cold waves

7% of expected damage

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

Recorded about once every 2 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Cedar Creek flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cedar 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: Bastrop County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

1homes raised above flood level

Disasters that hit Cedar Creek

5 federal disasters brought FEMA money here

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

Brought FEMA money into Cedar CreekDeclared for Bastrop County only

2021

Severe Winter Storms

174 households applied for aid $177K aid approved

2017

Hurricane Harvey

80 households applied for aid $42K aid approved

2016

Severe Storms and Flooding

46 households applied for aid $174K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

186 households applied for aid $723K aid approved

2011

Wildfires

112 households applied for aid $109K aid approved

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. Cedar Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cedar Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cedar Creek. 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 Cedar Creek total about $3.0M 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.