Water Risk Profile — ZIP 78666
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
Medium
Cost Range
$1,500–$8,500
Avg Response
42 min
NFIP
State participates
Local Climate & Risk Factors
Round Rock, Texas faces a diverse water damage risk profile shaped by the state's massive geographic range: East Texas receives 50+ inches of annual rainfall and faces flooding from Sabine, Neches, and Trinity River corridors; Central Texas faces flash flooding from intense hill country thunderstorms on impermeable limestone geology; Gulf Coast properties face hurricane season storm surge and flooding; and all of Texas experienced the catastrophic 2021 Winter Storm Uri pipe burst epidemic when temperatures dropped below 0°F statewide in buildings without freeze-resistant design. Texas Prompt Payment Act (Art. 542A) requires insurers to acknowledge claims within 15 days and pay within 5 days of acceptance — strong enforcement provisions with 18% interest on late payments.
Flood-prone areas: Brushy Creek Village and Teravista sit close to Brushy Creek's FEMA-mapped floodplain and experience overflow during major storms. Old Settlers Park area neighborhoods and Chandler Creek Estates are built over karst limestone where unpredictable subsidence cracks slabs and sewer lines regardless of rainfall.
Water Category Cost Table — Round Rock, TX
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $2.72–$6.74 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $6.74–$8.16 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $9.59–$12.1 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Round Rock market (3.2–11/sq ft range).