Photo: Slamforeman · CC BY-SA 3.0FEMA expects less hazard damage per building in Steiner Ranch than in 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Steiner Ranch gets a B for hazard risk: lower expected damage per building than 65% of U.S. towns, #213 of 642 in Texas. Most of that expected damage is river and rain flooding (76%), then hail (12%). Flood insurance has paid 2 claims here since 2014.
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 Steiner Ranch 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 Steiner Ranch’s grade
River and rain flooding is 76% of the building damage FEMA expects in Steiner Ranch, and Steiner Ranch’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts. Hail adds 12%, at a rate in the top 8% of U.S. census tracts.
B #213 of 642 in Texas; lower expected damage per building than 65% of U.S. towns (21,298).
Steiner Ranch’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, Steiner Ranch has less expected damage per building than 67% of Texas towns.
In dollars, FEMA expects about $5.0M a year in losses across Steiner Ranch: $3.5M to buildings, the rest to people and crops.
Does Steiner Ranch flood? Rarely: 2 flood claims since 2014
Every paid claim on a federal flood insurance policy in Steiner Ranch, from FEMA’s records: 0.3 per 1,000 homes, fewer than 95% of the 13,809 U.S. towns with a flood insurance record.
- The 2025 July Central TX Flooding1 claim · $12K
Steiner Ranch isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Travis County.The storms Steiner Ranch remembers
None of the 26 disasters declared for Travis County shows FEMA aid or repair money reaching Steiner Ranch itself in FEMA’s records, so these are its biggest flood-claim years.
- 20141 flood claims paidNo declaration for the county that year
- 20251 flood claims paidThe year of Severe Storms, Straight-line Winds, and Flooding, declared for Travis County
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 Steiner Ranch after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Steiner Ranch archive →Get ready for what Steiner Ranch 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Steiner Ranch
Is Steiner Ranch at risk for natural disasters?
On FEMA’s National Risk Index, Steiner Ranch has lower expected damage per building than 65% of U.S. towns: B for hazard risk, #213 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 Steiner Ranch flood?
Flood insurance has paid 2 claims in Steiner Ranch since 2014, $14K in all, or 0.3 per 1,000 homes, fewer than 95% of U.S. towns with a flood insurance record. The most claims came from 2025 July Central TX Flooding (1).
Is Steiner Ranch 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 Steiner Ranch?
FEMA’s Community Rating System list shows no discount for Steiner Ranch’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 Steiner Ranch?
By flood claims, 2025 July Central TX Flooding: 1 paid, $12K.
Is Steiner Ranch at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Steiner Ranch’s rate for it is higher than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Steiner Ranch.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Steiner Ranch’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.