Natural hazards · Kirby

Kirby, TX natural hazards

Most of the natural-hazard damage FEMA expects in Kirby comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2015. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Kirby?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kirby to be higher than in 40% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes32%Hail12%Heat waves10%Everything else4%

By hazard

What Kirby faces

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

Inland flooding

42% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

32% of expected damage

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

Hail

12% of expected damage

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

Recorded about 3 times a year in the area

Heat waves

10% 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 wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingWildfireDroughtAvalanchesTsunamisVolcanic 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 Kirby flood?

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

3paid claims since 2015

$16Kpaid to owners

1homes flooded more than once

20152026

Biggest named events

Early summer severe storms: 1 claim, $7K
Early summer storms: 1 claim, $5K

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. Kirby 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 Kirby

1 federal disaster brought FEMA money here

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

Brought FEMA money into KirbyDeclared for Bexar County only

2021

Severe Winter Storms

27 households applied for aid $6K aid approved

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

Around Kirby

Kirby and the towns around it

Very lowLowModerateHighVery high

San Antoniomostly inland floodingModerate

Kirbymostly 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. Kirby covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Kirby’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Kirby. 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 Kirby total about $604K 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.