Texas Restoration Insights & Reports
Quarterly data on Texas property damage trends, flood risk, storm impact, insurance claim patterns and restoration costs. Refreshed every quarter from NOAA, FEMA and BLS data sources.
Flood Reports
Texas flood risk varies dramatically by metro. Houston’s Category-3 flood zones expose more properties than any other Texas metro, while Dallas-Fort Worth’s storm-induced flash flooding affects newer developments.
Live FEMA Disaster Declaration feeds will appear here in Phase 2.
Storm Damage Reports
Hail, wind and hurricane damage remain the #1 driver of property restoration claims in Texas. Spring hailstorms in DFW and hurricane season impacts on the Gulf Coast dominate Q2-Q3 claim volume.
Live NOAA Storm Events feeds will appear here in Phase 2.
Insurance Trends
Texas homeowner insurance premiums have increased steadily over the past five years, driven by elevated catastrophe payouts. Carriers are tightening mold and water damage exclusions — making fast professional mitigation more critical than ever for claim approval.
Restoration Cost Index
Texas restoration costs track BLS construction labor and material inflation. Q3 2026 sees average per-square-foot rates of $3.75 (Cat-1) to $7.00 (Cat-3), with 5-15% city-level variation.
BLS Cost Index integration coming in Phase 3.
Texas Risk Maps
Per-city risk profiles based on rainfall, flood designation, storm frequency and freeze events:
Austin
Flood Risk: Moderate
Storm Frequency: Moderate
Avg Rainfall: 35.0″/year
Freeze Events: 3/year
Fort Worth
Flood Risk: Moderate
Storm Frequency: High
Avg Rainfall: 36.0″/year
Freeze Events: 4/year
San Antonio
Flood Risk: Moderate
Storm Frequency: Moderate
Avg Rainfall: 32.0″/year
Freeze Events: 3/year
Notable Texas Restoration Events
- Austin: October 2018 flash floods damaged Onion Creek properties
- Austin: February 2021 winter storm caused pipe failures across the metro
- Dallas: February 2021 Texas freeze caused widespread burst pipes
- Dallas: May 2024 derecho damaged thousands of homes
- Fort Worth: February 2021 freeze caused widespread pipe ruptures
- Fort Worth: Spring 2023 hail storms damaged thousands of roofs
- Houston: Hurricane Harvey (2017) caused $125B in flood damage
- Houston: Hurricane Beryl (2024) widespread wind and water damage
- San Antonio: May 2013 flooding caused major basement and garage damage
- San Antonio: February 2021 deep freeze burst pipes across older neighborhoods