Natural hazards · Garden Ridge

Garden Ridge, TX natural hazards

Most of the natural-hazard damage FEMA expects in Garden Ridge comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1984. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Garden Ridge?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garden Ridge to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding83%Tornadoes7%Everything else10%

By hazard

What Garden Ridge faces

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

Inland flooding

83% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 75 years in the area

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 Garden Ridge flood?

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

6paid claims since 1984

$21Kpaid to owners

0homes flooded more than once

19842026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Garden Ridge 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

2flood-prone properties bought out and cleared

Disasters that hit Garden Ridge

3 federal disasters brought FEMA money here

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

Brought FEMA money into Garden RidgeDeclared for Comal County only

2021

Severe Winter Storms

13 households applied for aid $5K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid

1998

Tx-Flooding 10/18/98

$13K to the City of Garden Ridge for repairs

Comal County has had 22 natural disasters declared since 1953, most often floods and fires.

Around Garden Ridge

Garden Ridge and the towns around it

Very lowLowModerateHighVery high

Schertzmostly inland floodingModerate

Garden Ridgemostly inland floodingLow

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. Garden Ridge is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Garden Ridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Garden Ridge. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.