On FEMA’s figures, Travis Ranch faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Travis Ranch gets a B− for hazard risk: lower expected damage per building than 55% of U.S. towns, #282 of 642 in Texas. Most of that expected damage is river and rain flooding (69%), then tornadoes (15%). FEMA’s files show no paid flood insurance claims here.
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 Travis 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
Tornadoes
Hail
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 Travis Ranch’s grade
River and rain flooding is 69% of the building damage FEMA expects in Travis Ranch, and Travis Ranch’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Tornadoes add 15%, at a rate in the top 10% of U.S. census tracts.
B− #282 of 642 in Texas; lower expected damage per building than 55% of U.S. towns (21,298).
All of Travis Ranch’s residents live in one census tract; the figures are that tract’s.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Travis Ranch has less expected damage per building than 56% of Texas towns.
In dollars, FEMA expects about $1.5M a year in losses across Travis Ranch: $844K to buildings, the rest to people and crops.
Does Travis Ranch flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Travis Ranch. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Travis 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: Kaufman County.The storms Travis Ranch remembers
None of the 14 disasters declared for Kaufman County shows FEMA aid or repair money reaching Travis Ranch itself in FEMA’s records, so these are its biggest flood-claim years.
Kaufman County has had 14 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.
Travis Ranch and its neighbors
Travis Ranch has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
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 Travis 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.
- 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.
- 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.
- 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 Travis Ranch
Is Travis Ranch at risk for natural disasters?
On FEMA’s National Risk Index, Travis Ranch has lower expected damage per building than 55% of U.S. towns: B− for hazard risk, #282 of 642 in Texas. Most of the expected damage is river and rain flooding (69%) and tornadoes (15%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Travis 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 Kaufman County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Travis Ranch?
FEMA’s Community Rating System list shows no discount for Travis Ranch’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Travis Ranch at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Travis Ranch’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Travis Ranch.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Travis 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.