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Home Insurance in Brushy Creek, TX
Storm reports, flood records and FEMA hazard ratings for Williamson County, with plain-English notes on how winter weather and hail risks show up in a Brushy Creek policy.
$2,994/yr
About $250/mo · ~$300k-$400k dwelling class
$1,778/yr
About $148/mo after modeled shopping discount
About 40.6% below local market estimate
Brushy Creek hazard snapshot
Taking all natural hazards together, FEMA rates Williamson County relatively moderate. Hazard by hazard, the strongest scores are for winter weather (very high), hail (relatively high) and tornadoes (relatively high).
Winter weather is rated very high in Williamson County. Burst pipes from a freeze are generally covered, but carriers expect reasonable heat to be maintained.
Hail is rated relatively high in Williamson County. Ask whether your roof is covered at replacement cost or actual cash value, and whether a Class 4 impact-resistant roof earns a credit.
FEMA rates tornado risk relatively high here; adequate dwelling and other-structures limits matter more than any special endorsement.
With lightning rated relatively high, a whole-home surge protector is cheap insurance against electrical claims.
Recent severe weather in Williamson County
Over the ten years from 2016 to 2025, NOAA recorded 203 hail events across Williamson County. Quarter-size or larger stones, an inch and up, appear in 163 of them. The largest reported hail was 4 inches on September 24, 2023. Tornado records for Williamson County show 12 touchdowns from 2016 through 2025; the most intense was an EF2 on February 20, 2017.
There were also 54 damaging-wind reports from thunderstorms, topping out around 115 mph. Flash floods account for 42 more entries in the decade.
Natural hazards have put Williamson County in 8 federal major disaster declarations since 2000. Among the most recent are Severe Storms, Straight-line Winds, and Flooding (2025), Severe Winter Storm (2023) and Severe Winter Storms (2021).
Windstorm questions for Brushy Creek homes
Since Williamson County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
Flood exposure and the NFIP in Brushy Creek
Flood insurance for unincorporated areas is handled through Williamson County, which participates in the National Flood Insurance Program. Only about 1 in 91 homes in Williamson County carries an NFIP policy (1,949 residential policies). Since 2016, 80 NFIP flood claims have come from Williamson County. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
The homes behind the risk
1995 is the median year built for housing units in Brushy Creek. Roughly 8% of the housing stock predates 1980 and 31% is from 2000 onward. The median owner-estimated home value in Brushy Creek is $499,300. That is close to the Williamson County median of $447,000. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Where Brushy Creek homeowners can check the details
Williamson County is home to Brushy Creek. Williamson County is a central county of the Austin-Round Rock-San Marcos metropolitan area. By straight-line distance, Brushy Creek is about 5 miles west of Round Rock.
Insurers often check the appraisal district record, so confirm that what the Williamson district shows at www.wcad.org matches your home. You can also visit the office at 625 FM 1460 Georgetown, TX 78626-8050. For local warnings, the responsible National Weather Service office is NWS Austin/San Antonio, TX. The associated NEXRAD radar is KGRK.
Questions about weather risk in Brushy Creek
Does my Brushy Creek policy cover a burst pipe after a freeze?
Usually, as long as the damage is sudden and the house was heated. Winter weather is rated very high in Williamson County by FEMA, so know where your main shutoff valve is.
Does homeowners insurance in Brushy Creek cover flooding?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. In Williamson County, about 1 in 91 homes has an NFIP policy. Buy early, because NFIP coverage generally starts 30 days after purchase.
Does Texas law require home insurance in Brushy Creek?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
How often does it hail around Brushy Creek?
From 2016 through 2025, NOAA logged 203 hail reports in Williamson County, 163 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively high. Roof age, roof material and the wind and hail deductible drive most of the price difference between quotes.
Ready to price your Brushy Creek home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Brushy Creek page
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NOAA NCEI storm reports, Williamson County
- FEMA NRI county ratings, Williamson County
- County and state comparisons: Williamson County value, Williamson County build year
- Comptroller economic regions
- Disaster declarations (FEMA), Williamson County
- NWS Austin/San Antonio, TX
- Comptroller CAD listing, Williamson County
- OpenFEMA flood insurance data, Williamson County
- Census CBSA delineation
- Census Gazetteer files
- TWIA eligibility
- Census Bureau ACS five-year data, Brushy Creek CDP: structure type, population, home value, median year built, year built, tenure