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Granger Texas Former City HallPhoto: Larry D. Moore · CC BY 4.0
B+Hazard risk
Natural hazards in Granger · FEMA

FEMA expects less hazard damage per building in Granger than in 68% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Granger gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (74%), then hail (14%). Flood insurance has paid 6 claims here since 1994.

River and rain flooding 74%Hail 14%Tornadoes 9%

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

less than 68%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Texas · lower than 68% of U.S. towns
Main hazard
River and rain flooding
74% of expected building damage
Flood claims
6
paid since 1994 · $252K
Flooded more than once
1
properties · 1 “severe repetitive loss”
Disasters paid out here
3
of 16 declared for Williamson County
By hazard

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

74%of expected building damage
About average · lower than 54% of U.S. census tracts
Recorded about 4 times a year in the area

Hail

14%of expected building damage
Well above average · in the top 7% of U.S. census tracts
Recorded about 4 times a year in the area

Tornadoes

9%of expected building damage
Above average · higher than 68% of U.S. census tracts
Recorded about once every 13 years in the area
Smaller shares here
 Hurricanes Wildfire Strong wind Winter storms Earthquakes Ice storms Cold waves Lightning Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 19% of Granger’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Granger’s grade

River and rain flooding is 74% of the building damage FEMA expects in Granger, and Granger’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts. Hail adds 14%, at a rate in the top 7% of U.S. census tracts.

Where Granger sits
Granger
Least damageMiddleMost damage

B+ lower expected damage per building than 68% of U.S. towns (21,298).

All of Granger’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding74%Hail14%Tornadoes9%Everything else3%

In dollars, FEMA expects about $471K a year in losses across Granger: $218K to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Severe Winter Storms in 2021, FEMA took 42 aid registrations from Granger addresses (the town has 485 homes).
Shared tract.All of Granger’s 1,183 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Granger flood? Rarely: 6 flood claims since 1994

Every paid claim on a federal flood insurance policy in Granger, from FEMA’s records: 12.4 per 1,000 homes, more than 77% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1994: 1 claim1995: 0 claims1996: 1 claim1997: 3 claims1998: 0 claims1999: 0 claims2000: 1 claim2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199419961997
19942026
6
paid claims since 1994
$252K
paid to owners
1
homes flooded more than once
$42K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

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: Williamson County.
Disasters

3 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.

  1. 2025Severe Storms, Straight-line Winds, and Flooding4 households applied for aid$6K aid approved
  2. 2021Severe Winter Storms42 households applied for aid$22K aid approved
  3. 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding3 households applied for aid$2K aid approved
Disasters declared, by decade
Paid out in GrangerWilliamson County only

Williamson County has had 16 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 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Williamson County, 2008–2011.

Were you here?

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 →
Be ready

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.

When the river rises
  • 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.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

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 68% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (74%) and hail (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Granger flood?

Flood insurance has paid 6 claims in Granger since 1994, $252K in all, or 12.4 per 1,000 homes, more than 77% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.

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 Williamson County, 46% of homes in mapped flood zones carry federal flood insurance, and 1.1% 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 Winter Storms (2021): 42 households applied for aid, $22K approved.

Is Granger at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (74%), and Granger’s rate for it is lower than 54% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Granger.

Town Square →
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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.