Natural hazards · Bandera

Bandera, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bandera comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 30 claims here since 1978. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Bandera?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bandera to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding79%Tornadoes7%Everything else14%

By hazard

What Bandera faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

79% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 45 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Bandera flood?

Every paid claim on a federal flood insurance policy in Bandera, from FEMA’s records.

30paid claims since 1978

$1.1Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Torrential rain: 22 claims, $915K
Early summer storms: 2 claims, $20K
Tropical Storm Erin: 1 claim, $59K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bandera isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Bandera County.

Disasters that hit Bandera

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Bandera itself: aid to households, or repair grants to the City of Bandera.

Brought FEMA money into BanderaDeclared for Bandera County only

2021

Severe Winter Storms

98 households applied for aid $44K aid approved

2016

Severe Storms and Flooding

$71K to the City of Bandera for repairs

2002

Severe Storms and Flooding

$179K to the City of Bandera for repairs

Bandera County has had 13 natural disasters declared since 1953, most often floods and fires.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Bandera is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Bandera’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bandera. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.

Bandera, TX natural hazards

How exposed is Bandera?

What Bandera faces

Inland flooding

Tornadoes

Lower here

Not a risk here

Does Bandera flood?

Biggest named events

3 federal disasters brought FEMA money here

Severe Winter Storms

Severe Storms and Flooding

Severe Storms and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby