Natural hazards · Granger

Granger, TX natural hazards

Most of the natural-hazard damage FEMA expects in Granger comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1994. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Granger?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Granger to be higher than in 32% of U.S. communities, mostly from inland flooding and drought.

Inland flooding42%Drought19%Tornadoes11%Hail11%Cold waves10%Everything else7%

By hazard

What Granger faces

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

Inland flooding

42% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 4 times a year in the area

Drought

19% of expected damage

Recorded about 64 times a year in the area

Tornadoes

11% of expected damage

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

Recorded about once every 13 years in the area

Hail

11% of expected damage

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

Recorded about 4 times a year in the area

Cold waves

10% of expected damage

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

Recorded about once every 2 years in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Granger flood?

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

6paid claims since 1994

$252Kpaid to owners

1homes flooded more than once

19942026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Granger 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.

Disasters that hit Granger

3 federal disasters brought FEMA money here

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

Brought FEMA money into GrangerDeclared for Williamson County only

2025

Severe Storms, Straight-Line Winds, and Flooding

4 households applied for aid $6K aid approved

2021

Severe Winter Storms

42 households applied for aid $22K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

3 households applied for aid $2K aid approved

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

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. Granger 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 Granger’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Granger. 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.