Photo: Larry D. Moore · CC BY 4.0On FEMA’s figures, Cedar Creek faces less hazard damage per building than 60% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cedar Creek gets a B for hazard risk: lower expected damage per building than 60% of U.S. towns, #243 of 642 in Texas. Most of that expected damage is river and rain flooding (78%), then tornadoes (11%). FEMA’s files show no paid flood insurance claims here.
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 stands out about Cedar Creek’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Cedar Creek 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
Hail
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 Cedar Creek’s grade
River and rain flooding is 78% of the building damage FEMA expects in Cedar Creek, and Cedar Creek’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Next is tornadoes at 11% (higher than 75% of U.S. census tracts).
B #243 of 642 in Texas; lower expected damage per building than 60% of U.S. towns (21,298).
Cedar Creek’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Cedar Creek has less expected damage per building than 62% of Texas towns.
In dollars, FEMA expects about $1.2M a year in losses across Cedar Creek: $390K to buildings, the rest to people and crops.
Does Cedar Creek flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cedar Creek. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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.7 federal disasters brought FEMA money to Cedar Creek
Disasters that paid out in Cedar Creek itself (aid to households or repair grants to Cedar Creek), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, and Flooding3 households applied for aid$91K aid approved
- 2021Severe Winter Storms174 households applied for aid$177K aid approved
- 2017Hurricane Harvey80 households applied for aid$42K aid approved
- 2016Severe Storms and Flooding46 households applied for aid$174K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding106 households applied for aid$597K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding80 households applied for aid$126K aid approved
Show all 7
- 2011Wildfires112 households applied for aid$109K aid approved
Bastrop County has had 19 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.
Also 7 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Bastrop County, 2000–2015.
Old photos of Cedar Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cedar Creek archive →Cedar Creek and its neighbors
Cedar Creek is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Wyldwood | A−less damage than 78% | river and rain flooding | — |
| Cedar Creek | Bless damage than 60% | river and rain flooding | 0 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Cedar Creek 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Cedar Creek
Is Cedar Creek at risk for natural disasters?
On FEMA’s National Risk Index, Cedar Creek has lower expected damage per building than 60% of U.S. towns: B for hazard risk, #243 of 642 in Texas. Most of the expected damage is river and rain flooding (78%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Cedar Creek 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 Bastrop County, 21% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Cedar Creek?
FEMA’s Community Rating System list shows no discount for Cedar Creek’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 Cedar Creek?
By FEMA money that reached Cedar Creek, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2015): 106 households applied for aid, $597K approved.
Is Cedar Creek at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Cedar Creek’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cedar Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cedar Creek’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.