Photo: Larry D. Moore · CC BY 4.0FEMA expects less hazard damage per building in Pflugerville than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Pflugerville gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns, #200 of 642 in Texas. Most of that expected damage is river and rain flooding (76%), then hail (12%). Flood insurance has paid 18 claims here since 1995.
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 Pflugerville’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Pflugerville 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
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 Pflugerville’s grade
River and rain flooding is 76% of the building damage FEMA expects in Pflugerville, and Pflugerville’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts. Hail adds 12%, at a rate in the top 8% of U.S. census tracts.
B+ #200 of 642 in Texas; lower expected damage per building than 66% of U.S. towns (21,298).
Pflugerville’s residents live in 22 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, Pflugerville has less expected damage per building than 69% of Texas towns.
In dollars, FEMA expects about $15.4M a year in losses across Pflugerville: $9.1M to buildings, the rest to people and crops.
Does Pflugerville flood? Sometimes: 18 flood claims since 1995
Every paid claim on a federal flood insurance policy in Pflugerville, from FEMA’s records: 0.7 per 1,000 homes, fewer than 85% of the 13,809 U.S. towns with a flood insurance record.
- The Early summer storms9 claims · $112K
Pflugerville is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Travis County.5 federal disasters brought FEMA money to Pflugerville
Disasters that paid out in Pflugerville itself (aid to households or repair grants to the City of Pflugerville), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, and Flooding126 households applied for aid$46K aid approved
- 2023Severe Winter Storm$611K to the City of Pflugerville for repairs
- 2021Severe Winter Storms1,491 households applied for aid$379K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding44 households applied for aid$146K aid approved9 flood claims paid that year
- 2013Severe Storms and Flooding$62K to the City of Pflugerville for repairs5 flood claims paid that year
Travis County has had 26 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 6 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Travis County, 2006–2011.
Old photos of Pflugerville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pflugerville archive →Pflugerville and its neighbors
Pflugerville is 2nd of the 3 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 |
|---|---|---|---|
| Round Rock | B+less damage than 69% | river and rain flooding | 177 |
| Pflugerville | B+less damage than 66% | river and rain flooding | 18 |
| Austin | Bless damage than 57% | river and rain flooding | 2,221 |
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 Pflugerville 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.
- 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.
- Pflugerville residents get 20% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Pflugerville
Is Pflugerville at risk for natural disasters?
On FEMA’s National Risk Index, Pflugerville has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk, #200 of 642 in Texas. Most of the expected damage is river and rain flooding (76%) and hail (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Pflugerville flood?
Flood insurance has paid 18 claims in Pflugerville since 1995, $502K in all, or 0.7 per 1,000 homes, fewer than 85% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Early summer storms (9).
Is Pflugerville 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 Travis County, 53% of homes in mapped flood zones carry federal flood insurance, and 2.0% of all homes do.
How much is flood insurance in Pflugerville?
Pflugerville is in FEMA’s Community Rating System (class 6), which takes 20% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Pflugerville?
By FEMA money that reached Pflugerville, Severe Winter Storm (2023): $611K to the City of Pflugerville for repairs. By flood claims, Early summer storms: 9 paid, $112K.
Is Pflugerville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Pflugerville’s rate for it is lower than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pflugerville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pflugerville’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.