FEMA puts Lake Brownwood’s expected hazard damage per building above that of 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lake Brownwood gets a D for hazard risk: higher expected damage per building than 89% of U.S. towns. Most of that expected damage is river and rain flooding (86%). 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 Lake Brownwood 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
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 Lake Brownwood’s grade
River and rain flooding is 86% of the building damage FEMA expects in Lake Brownwood, and Lake Brownwood’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts. Hail adds 5%, at a rate in the top 8% of U.S. census tracts.
D higher expected damage per building than 89% of U.S. towns (21,298).
All of Lake Brownwood’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.4M a year in losses across Lake Brownwood: $850K to buildings, the rest to people and crops.
Does Lake Brownwood flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lake Brownwood. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lake Brownwood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Brown County.The storms Lake Brownwood remembers
None of the 18 disasters declared for Brown County shows FEMA aid or repair money reaching Lake Brownwood itself in FEMA’s records, so these are its biggest flood-claim years.
Brown County has had 18 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 Brown County, 2008–2018.
Get ready for what Lake Brownwood 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.
- 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 Lake Brownwood
Is Lake Brownwood at risk for natural disasters?
On FEMA’s National Risk Index, Lake Brownwood has higher expected damage per building than 89% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (86%) and hail (5%). 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.
Is Lake Brownwood 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 Brown County, 17% of homes in mapped flood zones carry federal flood insurance, and 2.2% of all homes do.
How much is flood insurance in Lake Brownwood?
FEMA’s Community Rating System list shows no discount for Lake Brownwood’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Lake Brownwood at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Lake Brownwood’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lake Brownwood.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake Brownwood’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.