FEMA expects less hazard damage per building in McGregor than in 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, McGregor gets an A− for hazard risk: lower expected damage per building than 82% of U.S. towns, #94 of 642 in Texas. Most of that expected damage is river and rain flooding (78%), then tornadoes (11%). Flood insurance has paid 2 claims here since 2023.
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 McGregor’s natural hazards
From FEMA’s model and FEMA’s records, below.
What McGregor 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
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 McGregor’s grade
River and rain flooding is 78% of the building damage FEMA expects in McGregor, and McGregor’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Next is tornadoes at 11% (higher than 68% of U.S. census tracts).
A− #94 of 642 in Texas; lower expected damage per building than 82% of U.S. towns (21,298).
McGregor’s residents live in 2 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, McGregor has less expected damage per building than 85% of Texas towns.
In dollars, FEMA expects about $2.0M a year in losses across McGregor: $1.0M to buildings, the rest to people and crops.
Does McGregor flood? Rarely: 2 flood claims since 2023
Every paid claim on a federal flood insurance policy in McGregor, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
McGregor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: McLennan County.2 federal disasters brought FEMA money to McGregor
Disasters that paid out in McGregor itself (aid to households or repair grants to the City of McGregor), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding2 households applied for aid$8K aid approved1 flood claim paid that year
- 2021Severe Winter Storms13 households applied for aid$6K aid approved
McLennan County has had 17 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of McGregor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the McGregor archive →McGregor and its neighbors
McGregor is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Waco | Aless damage than 90% | river and rain flooding | 113 |
| McGregor | A−less damage than 82% | river and rain flooding | 2 |
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 McGregor 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.
- 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 McGregor
Is McGregor at risk for natural disasters?
On FEMA’s National Risk Index, McGregor has lower expected damage per building than 82% of U.S. towns: A− for hazard risk, #94 of 642 in Texas. Most of the expected damage is river and rain flooding (78%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does McGregor flood?
Flood insurance has paid 2 claims in McGregor since 2023, $60K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record.
Is McGregor 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 McLennan County, 33% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in McGregor?
FEMA’s Community Rating System list shows no discount for McGregor’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 McGregor?
By FEMA money that reached McGregor, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): 2 households applied for aid, $8K approved.
Is McGregor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and McGregor’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in McGregor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where McGregor’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.