Natural hazards · Cross Mountain

Cross Mountain, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cross Mountain comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 2002.

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

Expected damage

How exposed is Cross Mountain?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cross Mountain to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding67%Tornadoes15%Hail11%Everything else8%

By hazard

What Cross Mountain faces

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

Inland flooding

67% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

15% of expected damage

Above average · higher than 63% of U.S. places

Hail

11% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesIce 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 Cross Mountain flood?

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

9paid claims since 2002

$373Kpaid to owners

0homes flooded more than once

20022026

Biggest named events

Torrential rain: 4 claims, $327K
Fall severe storms: 2 claims, $18K
Thunderstorms: 1 claim, $11K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bexar County.

Disasters that hit Cross Mountain

Federal disasters declared here

None of the disasters declared for Bexar County shows FEMA aid or repair money reaching Cross Mountain itself in FEMA’s records.

Brought FEMA money into Cross MountainDeclared for Bexar County only

Bexar County has had 27 natural disasters declared since 1953, most often hurricanes and fires.

Around Cross Mountain

Cross Mountain and the towns around it

Very lowLowModerateHighVery high

Scenic Oaksmostly inland floodingHigh

Cross Mountainmostly inland floodingHigh

San Antoniomostly 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. Cross Mountain covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cross Mountain’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Cross Mountain. 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 Cross Mountain total about $4.8M 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.