Natural hazards · Hays

Hays, TX natural hazards

Most of the natural-hazard damage FEMA expects in Hays comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Hays?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hays to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding61%Tornadoes17%Hail6%Everything else16%

By hazard

What Hays 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

Above average · higher than 73% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

17% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 65 years in the area

Hail

6% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce 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 Hays flood?

FEMA's records show no paid flood insurance claims in Hays.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hays County.

Disasters that hit Hays

1 federal disaster brought FEMA money here

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

Brought FEMA money into HaysDeclared for Hays County only

2023

Severe Winter Storm

$8K to the City of Hays for repairs

Hays County has had 21 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. Hays 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 Hays’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hays. 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.