Natural hazards · Grape Creek

Grape Creek, TX natural hazards

Most of the natural-hazard damage FEMA expects in Grape Creek comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 13 claims here since 1998. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Grape Creek?

Low

vs. U.S. communities

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

Inland flooding42%Wildfire18%Hail8%Heat waves8%Tornadoes7%Cold waves6%Everything else12%

By hazard

What Grape Creek 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 28% of U.S. places

Recorded about 3 times a year in the area

Wildfire

18% of expected damage

Well above average · higher than 97% of U.S. places

Hail

8% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 4 times a year in the area

Heat waves

8% of expected damage

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

Recorded about 10 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 69% of U.S. places

Cold waves

6% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherEarthquakesLandslidesStrong 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 Grape Creek flood?

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

13paid claims since 1998

$378Kpaid to owners

0homes flooded more than once

19982026

Biggest named events

2025 July Central TX Flooding: 7 claims, $280K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Grape 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: Tom Green County.

Disasters that hit Grape Creek

2 federal disasters brought FEMA money here

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

Brought FEMA money into Grape CreekDeclared for Tom Green County only

2025

Severe Storms, Straight-Line Winds, and Flooding

5 households applied for aid $12K aid approved

2021

Severe Winter Storms

2 households applied for aid

Tom Green County has had 17 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. Grape Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Grape Creek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Grape 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 Grape Creek total about $882K 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.