Storms, floods and disasters in Highland Haven
Highland Haven isn’t graded for hazard risk: Highland Haven has 448 residents; we grade towns of 1,000 or more. Flood insurance has paid 15 claims here since 2018.
What Highland Haven 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
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.
Does Highland Haven flood? Sometimes: 15 flood claims since 2018
Every paid claim on a federal flood insurance policy in Highland Haven, from FEMA’s records.
- The Fall 2018 Texas Flooding15 claims · $1.4M
Highland Haven isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Burnet County.1 federal disaster brought FEMA money to Highland Haven
Disasters that paid out in Highland Haven itself (aid to households or repair grants to the City of Highland Haven), newest first, with that year’s flood claims.
- 2007Severe Storms, Tornadoes, and Flooding$6K to the City of Highland Haven for repairs
Burnet 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.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Burnet County, 1999–2018.
Old photos of Highland Haven after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Highland Haven archive →Highland Haven and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Granite Shoals | C+more damage than 64% | river and rain flooding | 69 |
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 Highland Haven 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.
- 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 Highland Haven
Does Highland Haven flood?
Flood insurance has paid 15 claims in Highland Haven since 2018, $1.4M in all. The most claims came from Fall 2018 Texas Flooding (15).
Is Highland Haven 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 Burnet County, 53% of homes in mapped flood zones carry federal flood insurance, and 5.0% of all homes do.
How much is flood insurance in Highland Haven?
FEMA’s Community Rating System list shows no discount for Highland Haven’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 Highland Haven?
By FEMA money that reached Highland Haven, Severe Storms, Tornadoes, and Flooding (2007): $6K to the City of Highland Haven for repairs. By flood claims, Fall 2018 Texas Flooding: 15 paid, $1.4M.
Storm stories
Memories, warnings and help from neighbors in Highland Haven.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Highland Haven’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.