Natural hazards · Kyle

Kyle, TX natural hazards

Most of the natural-hazard damage FEMA expects in Kyle comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 2001. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Kyle?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kyle to be higher than in 41% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes24%Heat waves6%Cold waves6%Everything else13%

By hazard

What Kyle faces

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

Inland flooding

51% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

24% of expected damage

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

Heat waves

6% of expected damage

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

Recorded about 10 times a year in the area

Cold waves

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 2 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Kyle flood?

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

5paid claims since 2001

$191Kpaid to owners

0homes flooded more than once

20012026

Biggest named events

Fall severe storms: 4 claims, $187K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Kyle 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 Kyle

4 federal disasters brought FEMA money here

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

Brought FEMA money into KyleDeclared for Hays County only

2023

Severe Winter Storm

$65K to the City of Kyle for repairs

2021

Severe Winter Storms

362 households applied for aid $145K aid approved $9K to the City of Kyle for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

252 households applied for aid $1.2M aid approved $268K to the City of Kyle for repairs

2013

Severe Storms and Flooding

$95K to the City of Kyle for repairs

Hays County has had 21 natural disasters declared since 1953, most often floods and fires.

Around Kyle

Kyle and the towns around it

Very lowLowModerateHighVery high

Budamostly inland floodingModerate

Mountain Citymostly inland floodingModerate

Kylemostly inland floodingModerate

San Marcosmostly 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. Kyle covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Kyle’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Kyle. 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 Kyle total about $9.0M 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.