Photo: Richc80 · CC BY 3.0Granger’s building-damage rate from tornadoes is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Granger gets a B for hazard risk: lower expected damage per building than 59% of U.S. towns. Most of that expected damage is river and rain flooding (69%), then tornadoes (22%). Flood insurance has paid 2 claims here since 2007.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Granger faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Strong wind
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Granger’s grade
River and rain flooding is 69% of the building damage FEMA expects in Granger, and Granger’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Tornadoes add 22%, at a rate in the top 3% of U.S. census tracts.
B lower expected damage per building than 59% of U.S. towns (21,298).
Granger’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $767K a year in losses across Granger: $442K to buildings, the rest to people and crops.
Does Granger flood? Rarely: 2 flood claims since 2007
Every paid claim on a federal flood insurance policy in Granger, from FEMA’s records: 2.5 per 1,000 homes, fewer than 56% of the 13,809 U.S. towns with a flood insurance record.
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: Dallas County.4 federal disasters brought FEMA money to Granger
Disasters that paid out in Granger itself (aid to households or repair grants to the City of Granger), newest first, with that year’s flood claims.
- 2020Severe Storms$28K to the City of Granger for repairs
- 2010Severe Storms, Flooding, and Tornadoes4 households applied for aid$1K aid approved
- 2008Severe Storms, Tornadoes, and Flooding8 households applied for aid$4K aid approved$11K to the City of Granger for repairs
- 2004Severe Storms, Tornadoes, and Flooding2 households applied for aid$10K aid approved
Dallas County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Granger after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Granger archive →Get ready for what Granger faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Granger
Is Granger at risk for natural disasters?
On FEMA’s National Risk Index, Granger has lower expected damage per building than 59% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (69%) and tornadoes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Granger flood?
Flood insurance has paid 2 claims in Granger since 2007, $45K in all, or 2.5 per 1,000 homes, fewer than 56% of U.S. towns with a flood insurance record.
Is Granger in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Dallas County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Granger?
FEMA’s Community Rating System list shows no discount for Granger’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Granger?
By FEMA money that reached Granger, Severe Storms (2020): $28K to the City of Granger for repairs.
Is Granger at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Granger’s rate for it is lower than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Granger.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Granger’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.