Storms, floods and disasters in Tow
Tow isn’t graded for hazard risk: Tow has 145 residents; we grade towns of 1,000 or more.
What Tow 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
Wildfire
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 Tow flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Tow. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Tow 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 Tow
Disasters that paid out in Tow itself (aid to households or repair grants to Tow), newest first, with that year’s flood claims.
- 2021Severe Winter Storms13 households applied for aid$5K aid approved
- 2007Severe Storms, Tornadoes, and Flooding5 households applied for aid$249 aid approved
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 Tow after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Tow archive →Get ready for what Tow 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Tow
Is Tow 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 Tow?
FEMA’s Community Rating System list shows no discount for Tow’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 Tow?
By FEMA money that reached Tow, Severe Winter Storms (2021): 13 households applied for aid, $5K approved.
Storm stories
Memories, warnings and help from neighbors in Tow.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tow’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.