Photo: Michael Barera · CC BY-SA 4.0Less hazard damage per building is expected in Granbury than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Granbury gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns, #194 of 642 in Texas. Most of that expected damage is river and rain flooding (58%), then tornadoes (20%). Flood insurance has paid 22 claims here since 1989.
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 Granbury’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Granbury 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
Wildfire
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 Granbury’s grade
River and rain flooding is 58% of the building damage FEMA expects in Granbury, and Granbury’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Tornadoes add 20%, at a rate in the top 7% of U.S. census tracts.
B+ #194 of 642 in Texas; lower expected damage per building than 67% of U.S. towns (21,298).
Granbury’s residents live in 9 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, Granbury has less expected damage per building than 70% of Texas towns.
In dollars, FEMA expects about $5.2M a year in losses across Granbury: $2.7M to buildings, the rest to people and crops.
Does Granbury flood? Sometimes: 22 flood claims since 1989
Every paid claim on a federal flood insurance policy in Granbury, from FEMA’s records: 3.6 per 1,000 homes, more than 52% of the 13,809 U.S. towns with a flood insurance record.
- The Early summer severe storms7 claims · $407K
- The Thunderstorms1 claim · $1K
Granbury isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hood County.5 federal disasters brought FEMA money to Granbury
Disasters that paid out in Granbury itself (aid to households or repair grants to the City of Granbury), newest first, with that year’s flood claims.
- 2021Severe Winter Storms425 households applied for aid$391K aid approved$18K to the City of Granbury for repairs1 flood claim paid that year
- 2016Severe Storms and Flooding202 households applied for aid$341K aid approved$163K to the City of Granbury for repairs7 flood claims paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding58 households applied for aid$59K aid approved$359K to the City of Granbury for repairs5 flood claims paid that year
- 2007Severe Storms, Tornadoes, and Flooding185 households applied for aid$740K aid approved1 flood claim paid that year
- 2005Extreme Wildfire Threat22 households applied for aid$98K aid approved
Hood County has had 14 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 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Hood County, 2022–2022.
Old photos of Granbury after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Granbury archive →Granbury and its neighbors
Granbury has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Granbury | B+less damage than 67% | river and rain flooding | 22 |
| Stockton Bend | — | 600 residents; we grade 1,000+ | |
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 Granbury 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Granbury
Is Granbury at risk for natural disasters?
On FEMA’s National Risk Index, Granbury has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk, #194 of 642 in Texas. Most of the expected damage is river and rain flooding (58%) and tornadoes (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Granbury flood?
Flood insurance has paid 22 claims in Granbury since 1989, $730K in all, or 3.6 per 1,000 homes, more than 52% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from Early summer severe storms (7).
Is Granbury 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 Hood County, 30% of homes in mapped flood zones carry federal flood insurance, and 1.7% of all homes do.
How much is flood insurance in Granbury?
FEMA’s Community Rating System list shows no discount for Granbury’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 Granbury?
By FEMA money that reached Granbury, Severe Storms, Tornadoes, and Flooding (2007): 185 households applied for aid, $740K approved. By flood claims, Early summer severe storms: 7 paid, $407K.
Is Granbury at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (58%), and Granbury’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Granbury.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Granbury’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.