Natural hazards · Cibolo

Cibolo, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cibolo comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 32 claims here since 1997. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cibolo?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cibolo to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding72%Tornadoes13%Everything else15%

By hazard

What Cibolo faces

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

Inland flooding

72% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

13% of expected damage

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

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 Cibolo flood?

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

32paid claims since 1997

$1.1Mpaid to owners

1homes flooded more than once

19972026

Biggest named events

Tropical Storm Allison: 10 claims, $495K
Tropical Storm Bill: 1 claim, $21K
Torrential rain: 1 claim, $2K

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

Insurance rates: Guadalupe County.

Disasters that hit Cibolo

5 federal disasters brought FEMA money here

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

Brought FEMA money into CiboloDeclared for Guadalupe County only

2025

Severe Storms, Straight-Line Winds, and Flooding

10 households applied for aid $15K aid approved

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

10 households applied for aid $4K aid approved

2021

Severe Winter Storms

239 households applied for aid $63K aid approved

2007

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $8K aid approved

1998

Tx-Flooding 10/18/98

$19K to the City of Cibolo for repairs

Guadalupe County has had 18 natural disasters declared since 1953, most often floods and hurricanes.

Around Cibolo

Cibolo and the towns around it

Very lowLowModerateHighVery high

Zuehlmostly inland floodingHigh

New Berlinmostly inland floodingHigh

Schertzmostly inland floodingModerate

Cibolomostly 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. Cibolo covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Cibolo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cibolo. 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 Cibolo total about $9.1M 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.