Natural hazards · Buda

Buda, TX natural hazards

Most of the natural-hazard damage FEMA expects in Buda comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 22 claims here since 2013. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Buda?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Buda to be higher than in 45% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes23%Hail6%Cold waves5%Heat waves5%Everything else8%

By hazard

What Buda faces

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

Inland flooding

53% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

23% of expected damage

Above average · higher than 72% of U.S. places

Hail

6% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 3 times a year in the area

Cold waves

5% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 2 years in the area

Heat waves

5% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Buda flood?

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

22paid claims since 2013

$925Kpaid to owners

4homes flooded more than once

20132026

Biggest named events

Fall severe storms: 11 claims, $623K
Early summer severe storms: 8 claims, $194K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hays County.

Disasters that hit Buda

4 federal disasters brought FEMA money here

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

Brought FEMA money into BudaDeclared for Hays County only

2023

Severe Winter Storm

$105K to the City of Buda for repairs

2021

Severe Winter Storms

243 households applied for aid $92K aid approved $40K to the City of Buda for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

133 households applied for aid $398K aid approved $209K to the City of Buda for repairs

2013

Severe Storms and Flooding

$37K to the City of Buda for repairs

Hays County has had 21 natural disasters declared since 1953, most often floods and fires.

Around Buda

Buda and the towns around it

Very lowLowModerateHighVery high

Budamostly inland floodingModerate

Kylemostly inland floodingModerate

Austinmostly inland floodingModerate

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. Buda covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Buda’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Buda. 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 Buda total about $5.4M 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.