Natural hazards · Bulverde

Bulverde, TX natural hazards

Most of the natural-hazard damage FEMA expects in Bulverde comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 21 claims here since 1998. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bulverde?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bulverde to be higher than in 27% of U.S. communities, mostly from inland flooding.

Inland flooding68%Tornadoes13%Everything else19%

By hazard

What Bulverde faces

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

Inland flooding

68% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 70% 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 Bulverde flood?

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

21paid claims since 1998

$702Kpaid to owners

3homes flooded more than once

19982026

Biggest named events

Fall severe storms: 12 claims, $417K
Torrential rain: 2 claims, $21K

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. Bulverde isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Comal County.

What’s been done with FEMA grants

10flood-prone properties bought out and cleared

Disasters that hit Bulverde

3 federal disasters brought FEMA money here

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

Brought FEMA money into BulverdeDeclared for Comal County only

2021

Severe Winter Storms

147 households applied for aid $27K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

25 households applied for aid $44K aid approved $54K to the City of Bulverde for repairs

2002

Severe Storms and Flooding

$45K to the City of Bulverde for repairs

Comal County has had 22 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. Bulverde covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bulverde’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bulverde. 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 Bulverde total about $1.7M 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.