Natural hazards · Helotes

Helotes, TX natural hazards

Most of the natural-hazard damage FEMA expects in Helotes comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 16 claims here since 2002. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Helotes?

High

vs. U.S. communities

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

Inland flooding66%Tornadoes16%Hail10%Heat waves5%Everything else3%

By hazard

What Helotes faces

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

Inland flooding

66% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

16% of expected damage

Above average · higher than 62% of U.S. places

Hail

10% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Heat waves

5% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold 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 Helotes flood?

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

16paid claims since 2002

$296Kpaid to owners

3homes flooded more than once

20022026

Biggest named events

Tropical Storm Erin: 5 claims, $87K
Torrential rain: 3 claims, $5K
Fall severe storms: 2 claims, $37K

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. Helotes 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 Helotes

4 federal disasters brought FEMA money here

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

Brought FEMA money into HelotesDeclared for Bexar County only

2021

Severe Winter Storms

141 households applied for aid $56K aid approved

2007

Tropical Storm Erin

26 households applied for aid $76K aid approved

2002

Severe Storms and Flooding

$9K to the City of Helotes for repairs

1998

Tx-Flooding 10/18/98

$7K to the City of Helotes for repairs

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

Around Helotes

Helotes and the towns around it

Very lowLowModerateHighVery high

Helotesmostly 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. Helotes covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Helotes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Helotes. 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 Helotes total about $4.0M 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.