Photo: Larry D. Moore · CC BY 4.0Storms, floods and disasters in Sunrise Beach Village
Sunrise Beach Village isn’t graded for hazard risk: Sunrise Beach Village has 936 residents; we grade towns of 1,000 or more. Flood insurance has paid 73 claims here since 1995.
What Sunrise Beach Village 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
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.
Does Sunrise Beach Village flood? Sometimes: 73 flood claims since 1995
Every paid claim on a federal flood insurance policy in Sunrise Beach Village, from FEMA’s records.
- The Fall 2018 Texas Flooding54 claims · $3.6M
- The Thunderstorms3 claims · $45K
- The Early summer severe storms1 claim · $107K
Sunrise Beach Village 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.2 federal disasters brought FEMA money to Sunrise Beach Village
Disasters that paid out in Sunrise Beach Village itself (aid to households or repair grants to the City of Sunrise Beach Village), newest first, with that year’s flood claims.
- 2018Severe Storms and Flooding$96K to the City of Sunrise Beach Village for repairs58 flood claims paid that year
- 2007Severe Storms, Tornadoes, and Flooding$21K to the City of Sunrise Beach Village for repairs5 flood claims 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 Sunrise Beach Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sunrise Beach Village archive →Sunrise Beach Village and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Horseshoe Bay | Cmore damage than 75% | river and rain flooding | 72 |
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 Sunrise Beach Village 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.
- 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 Sunrise Beach Village
Does Sunrise Beach Village flood?
Flood insurance has paid 73 claims in Sunrise Beach Village since 1995, $4.1M in all. 2 properties have flooded more than once. The most claims came from Fall 2018 Texas Flooding (54).
Is Sunrise Beach Village 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 Sunrise Beach Village?
FEMA’s Community Rating System list shows no discount for Sunrise Beach Village’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 Sunrise Beach Village?
By FEMA money that reached Sunrise Beach Village, Severe Storms and Flooding (2018): $96K to the City of Sunrise Beach Village for repairs. By flood claims, Fall 2018 Texas Flooding: 54 paid, $3.6M.
Storm stories
Memories, warnings and help from neighbors in Sunrise Beach Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sunrise Beach Village’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.