Photo: Quintin Soloviev · CC BY 4.0FEMA puts Llano’s expected hazard damage per building above that of 64% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Llano gets a C+ for hazard risk: higher expected damage per building than 64% of U.S. towns, #431 of 642 in Texas. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 16 claims here since 1980.
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 Llano 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 Llano’s grade
River and rain flooding is 86% of the building damage FEMA expects in Llano, and Llano’s rate of river and rain flooding damage is higher than 79% of U.S. census tracts. Next is hail at 5% (higher than 86% of U.S. census tracts).
C+ #431 of 642 in Texas; higher expected damage per building than 64% of U.S. towns (21,298).
Llano’s residents live in 3 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, Llano has more expected damage per building than 67% of Texas towns.
In dollars, FEMA expects about $2.1M a year in losses across Llano: $1.1M to buildings, the rest to people and crops.
Does Llano flood? Sometimes: 16 flood claims since 1980
Every paid claim on a federal flood insurance policy in Llano, from FEMA’s records: 9.9 per 1,000 homes, more than 74% of the 13,809 U.S. towns with a flood insurance record.
- The Fall 2018 Texas Flooding6 claims · $370K
- The Thunderstorms1 claim · $63K
- Hurricane Danielle1 claim · $1K
Llano isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Llano County.3 federal disasters brought FEMA money to Llano
Disasters that paid out in Llano itself (aid to households or repair grants to the City of Llano), newest first, with that year’s flood claims.
- 2021Severe Winter Storms57 households applied for aid$29K aid approved$30K to the City of Llano for repairs
- 2018Severe Storms and Flooding$259K to the City of Llano for repairs6 flood claims paid that year
- 2007Severe Storms, Tornadoes, and Flooding23 households applied for aid$28K aid approved$6K to the City of Llano for repairs1 flood claim paid that year
Llano County has had 12 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.
Old photos of Llano after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Llano archive →Get ready for what Llano 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 Llano
Is Llano at risk for natural disasters?
On FEMA’s National Risk Index, Llano has higher expected damage per building than 64% of U.S. towns: C+ for hazard risk, #431 of 642 in Texas. Most of the expected damage is river and rain flooding (86%) and hail (5%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Llano flood?
Flood insurance has paid 16 claims in Llano since 1980, $740K in all, or 9.9 per 1,000 homes, more than 74% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Fall 2018 Texas Flooding (6).
Is Llano 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 Llano County, 56% of homes in mapped flood zones carry federal flood insurance, and 7.1% of all homes do.
How much is flood insurance in Llano?
FEMA’s Community Rating System list shows no discount for Llano’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 Llano?
By FEMA money that reached Llano, Severe Storms and Flooding (2018): $259K to the City of Llano for repairs. By flood claims, Fall 2018 Texas Flooding: 6 paid, $370K.
Is Llano at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Llano’s rate for it is higher than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Llano.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Llano’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.