Insurance in Georgetown, Texas

Where the San Gabriel's three forks meet

Georgetown sits where the North Fork of the San Gabriel River joins the Middle and South Forks. The Army Corps of Engineers finished the dam that forms Lake Georgetown in 1979 as a flood control measure for the Brazos River system. The South Fork at Georgetown crested at 31.2 feet on June 27, 2007, against a 9-foot flood stage.

On July 5, 2025, NOAA's record for Georgetown lists two apartment complexes evacuated; the animal shelter, a VFW post and the San Gabriel Crisis Center cleared out near College Street and West L. Walden Drive; the South Austin Avenue bridge closed; and 30 or more RVs damaged or destroyed at two RV parks downstream.

Flood takes its own policy, apart from a typical home or renters policy, and FEMA's usual 30-day wait means buying once the river rises is usually too late. A swamped car is a comprehensive claim; RV owners may want to check how their policy treats flood. Berry Creek floods too: Tropical Storm Bill sent it over a road near Sun City on June 17, 2015, and a May 20, 2026 washout cut both lanes of Berry Creek Drive near Airport Road.

Hail brings roof claims too: NOAA logged baseball-size hail in Georgetown on May 27, 2020, and 2.5-inch stones in western Georgetown on September 24, 2023 (hail insurance guide).

When I-35 itself goes under water

Tropical Storm Hermine closed I-35 in both directions in Georgetown on September 8, 2010. NOAA says police believe a driver stopped by the closure pulled onto an exit ramp, found it flooded too and got out to check the depth, and was apparently pulled through a drainage culvert; he was found dead six days later.

TxDOT is still in preliminary design and environmental studies on its plan for I-35 from SH 29 to SH 45 North, shared with Round Rock, which would add a mainlane each way between SH 29 and RM 1431 plus HOV lanes. Williams Drive already crosses I-35 on a diverging diamond, which TxDOT switched to its final traffic layout in December 2023, Community Impact reported. SH 195 leaves I-35 north of town for Florence and the east gate of Fort Hood, toward Killeen.

Georgetown police send crash-report buyers to TxDOT's online purchase system, where a report costs $6.00 at any hour; copies are also sold at 3500 D. B. Wood Road for the same $6.00, or $8.00 certified, and Records answers at (512) 930-3453 weekdays from 8 a.m. to 5 p.m. Rental reimbursement, if you carry it, can pay for a car while yours is repaired.

Sirens, records and lake levels

Countywide notes are on the Williamson County page. Upstream on the South Fork, the July 2025 storms put several feet of water over River Run Road in Leander.

• Severe weather page: the city's 23 outdoor sirens, tested at 11 a.m. on the first Saturday of the month, and Warn Central Texas alert registration.
• Police Records: online report search, in-person copies and office hours.
• Lake Georgetown: the Corps' reservoir summary report and lake elevation.

Local risk: the federal disaster record in Georgetown

Since 2000, FEMA has made 19 disaster, emergency or fire-management declarations covering Williamson County. By type:

• Wildfires: 7
• Hurricanes and coastal storms: 4
• Winter and ice storms: 3
• Severe storms (hail, wind, tornadoes): 2
• Floods: 1

Most recent major disaster declarations:

• 2025: Severe Storms, Straight-Line Winds, And Flooding
• 2023: Severe Winter Storm
• 2021: Severe Winter Storms
• 2015: Severe Storms, Tornadoes, Straight-Line Winds And Flooding

Wildfire risk makes replacement-cost coverage, adequate dwelling limits and additional living expenses coverage especially important. Keep a home inventory somewhere other than your home.

Winter storms can freeze pipes and cut power. Most home policies cover sudden burst-pipe damage, but insurers can deny claims when a home wasn't kept heated. Ask how your policy handles it.

Not every hurricane declaration here means a storm hit: many were emergency declarations for sheltering evacuees from the coast, or statewide declarations. Georgetown is far from storm surge, but tropical systems moving inland can still bring heavy rain and strong wind. Check your wind and hail deductible and whether you need a separate flood policy, since home policies leave flooding out.

Declarations count how often federal help was declared, not how bad each event was. Statewide declarations (such as the February 2021 winter storm) are counted for every county, and the total includes the two 2020 COVID-19 declarations, which aren’t listed by type. These are Williamson County figures; FEMA doesn't publish them by city.

Home insurance in Georgetown

Williamson County isn't in TWIA's coastal area, so wind and hail are usually covered by your regular home policy, often with a separate wind and hail deductible. If you can't find coverage at all, the Texas FAIR Plan is the last-resort option.

Flooding isn’t covered by standard home or renters policies anywhere in Texas. With 5 flood or hurricane declarations in Williamson County since 2000, it's worth pricing a flood policy even outside a mapped flood zone.

Texas law also sets claim deadlines: your insurer must acknowledge a claim within 15 days and accept or deny it within 15 business days of getting what it needs. See Texas home insurance.

Car insurance in Georgetown

Every Texas driver needs at least 30/60/25 liability coverage. PIP is included and uninsured motorist coverage must be offered unless you reject them in writing. Given the storm and flood history here, comprehensive coverage, which pays for hail and flood damage to your own car, matters more than the minimum suggests. Rates vary by ZIP code within Georgetown. See Texas car insurance.

Medicare in Georgetown

105,589 Williamson County residents are eligible for Medicare, and 47.36% of them are enrolled in a Medicare Advantage plan (CMS, September 2026). Plans are sold by county, so compare what’s available in your ZIP code on the Medicare Plan Finder, and review your coverage during Open Enrollment, October 15 to December 7.

Free, unbiased Medicare counseling for Williamson County comes from the Capital Area AAA (512-916-6054), part of Texas’s HICAP program. See Medicare in Texas.

ZIP codes in Georgetown

78626 · 78627 · 78628 · 78633

Common questions