Natural hazards · Georgetown

Georgetown, TX natural hazards

Most of the natural-hazard damage FEMA expects in Georgetown comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 36 claims here since 1987. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Georgetown?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Georgetown to be higher than in 29% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes15%Cold waves15%Hail10%Everything else9%

By hazard

What Georgetown faces

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

Inland flooding

51% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

15% of expected damage

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

Cold waves

15% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 2 years in the area

Hail

10% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce 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 Georgetown flood?

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

36paid claims since 1987

$2.2Mpaid to owners

3homes flooded more than once

19872026

Biggest named events

2025 July Central TX Flooding: 3 claims, $306K
Thunderstorms: 1 claim, $36K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Williamson County.

What’s been done with FEMA grants

1homes raised above flood level

Disasters that hit Georgetown

8 federal disasters brought FEMA money here

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

Brought FEMA money into GeorgetownDeclared for Williamson County only

2025

Severe Storms, Straight-Line Winds, and Flooding

246 households applied for aid $1.2M aid approved $905K to the City of Georgetown for repairs

2023

Severe Winter Storm

$2.5M to the City of Georgetown for repairs

2021

Severe Winter Storms

670 households applied for aid $73K aid approved $417K to the City of Georgetown for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

11 households applied for aid

2011

Wildfires

1 household applied for aid $723 aid approved

2007

Severe Storms, Tornadoes, and Flooding

31 households applied for aid $21K aid approved $87K to the City of Georgetown for repairs

2005

Hurricane Rita

1 household applied for aid

2005

Hurricane Katrina Evacuation

$34K to the City of Georgetown for repairs

Williamson County has had 21 natural disasters declared since 1953, most often fires and severe storms.

Around Georgetown

Georgetown and the towns around it

Very lowLowModerateHighVery high

Round Rockmostly inland floodingLow

Leandermostly inland floodingLow

Weirmostly inland floodingLow

Georgetownmostly inland floodingLow

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. Georgetown covers 13 census tracts, combined by population.

Money that reached townFlood claims are matched to Georgetown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Georgetown. 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 Georgetown total about $12.6M 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.