Photo: Renelibrary · CC BY-SA 4.0More hazard damage per building is expected in Center Point than in 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Center Point gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns. Most of that expected damage is river and rain flooding (84%). 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 Center Point 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
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 Center Point’s grade
River and rain flooding is 84% of the building damage FEMA expects in Center Point, and Center Point’s rate of river and rain flooding damage is higher than 83% of U.S. census tracts. Wildfire adds 4%, at a rate in the top 7% of U.S. census tracts.
C higher expected damage per building than 73% of U.S. towns (21,298).
Center Point’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $858K a year in losses across Center Point: $478K to buildings, the rest to people and crops.
Does Center Point flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Center Point. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Center Point isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kerr County.2 federal disasters brought FEMA money to Center Point
Disasters that paid out in Center Point itself (aid to households or repair grants to Center Point), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, and Flooding127 households applied for aid$552K aid approved
- 2021Severe Winter Storms19 households applied for aid$14K aid approved
Kerr County has had 15 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Kerr County, 2000–2000.
Old photos of Center Point after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Center Point archive →Get ready for what Center Point 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.
- 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 Center Point
Is Center Point at risk for natural disasters?
On FEMA’s National Risk Index, Center Point has higher expected damage per building than 73% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (84%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Center Point 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 Kerr County, 33% of homes in mapped flood zones carry federal flood insurance, and 2.4% of all homes do.
How much is flood insurance in Center Point?
FEMA’s Community Rating System list shows no discount for Center Point’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 Center Point?
By FEMA money that reached Center Point, Severe Storms, Straight-line Winds, and Flooding (2025): 127 households applied for aid, $552K approved.
Is Center Point at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Center Point’s rate for it is higher than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Center Point.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Center Point’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.