Natural hazards · Boerne

Boerne, TX natural hazards

Most of the natural-hazard damage FEMA expects in Boerne comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 39 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Boerne?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Boerne to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding75%Tornadoes10%Everything else15%

By hazard

What Boerne faces

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

Inland flooding

75% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 67% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Boerne flood?

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

39paid claims since 1978

$647Kpaid to owners

3homes flooded more than once

19782026

Biggest named events

Early summer storms: 8 claims, $151K
2026-07-Texas-Flooding: 7 claims, $271K
Torrential rain: 3 claims, $20K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 20% off flood insurance. Boerne is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Kendall County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Boerne

6 federal disasters brought FEMA money here

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

Brought FEMA money into BoerneDeclared for Kendall County only

2025

Severe Storms, Straight-Line Winds, and Flooding

$77K to the City of Boerne for repairs

2023

Severe Winter Storm

$68K to the City of Boerne for repairs

2021

Severe Winter Storms

302 households applied for aid $89K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

$39K to the City of Boerne for repairs

2007

Tropical Storm Erin

5 households applied for aid $21K aid approved

2002

Severe Storms and Flooding

$42K to the City of Boerne for repairs

Kendall County has had 19 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. Boerne covers 1 census tract, combined by population.

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

FEMA’s expected losses across Boerne total about $3.8M a year, counting buildings, people and crops.

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.