Natural hazards · Fair Oaks Ranch

Fair Oaks Ranch, TX natural hazards

Most of the natural-hazard damage FEMA expects in Fair Oaks Ranch comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 2002. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fair Oaks Ranch?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fair Oaks Ranch to be higher than in 66% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding61%Tornadoes17%Hail14%Everything else8%

By hazard

What Fair Oaks Ranch faces

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

Inland flooding

61% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

17% of expected damage

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

Hail

14% of expected damage

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

Recorded about 4 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 Fair Oaks Ranch flood?

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

9paid claims since 2002

$129Kpaid to owners

0homes flooded more than once

20022026

Biggest named events

Torrential rain: 5 claims, $85K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Fair Oaks Ranch 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 Fair Oaks Ranch

3 federal disasters brought FEMA money here

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

Brought FEMA money into Fair Oaks RanchDeclared for Bexar County only

2021

Severe Winter Storms

16 households applied for aid $3K aid approved $34K to the City of Fair Oaks Ranch for repairs

2007

Tropical Storm Erin

1 household applied for aid

2002

Severe Storms and Flooding

$64K to the City of Fair Oaks Ranch for repairs

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

Around Fair Oaks Ranch

Fair Oaks Ranch and the towns around it

Very lowLowModerateHighVery high

Fair Oaks Ranchmostly 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. Fair Oaks Ranch covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fair Oaks Ranch’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fair Oaks Ranch. 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 Fair Oaks Ranch total about $6.1M 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.