Natural hazards · Live Oak

Live Oak, TX natural hazards

Most of the natural-hazard damage FEMA expects in Live Oak comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1980. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Live Oak?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Live Oak to be higher than in 35% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes24%Hail13%Heat waves7%Everything else3%

By hazard

What Live Oak faces

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

Inland flooding

52% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

24% of expected damage

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

Hail

13% of expected damage

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

Recorded about 3 times a year in the area

Heat waves

7% 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 windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Live Oak flood?

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

6paid claims since 1980

$41Kpaid to owners

0homes flooded more than once

19802026

Biggest named events

Hurricane Allen: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Live Oak is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Bexar County.

Disasters that hit Live Oak

3 federal disasters brought FEMA money here

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

Brought FEMA money into Live OakDeclared for Bexar County only

2021

Severe Winter Storms

73 households applied for aid $15K aid approved

2007

Tropical Storm Erin

1 household applied for aid

1998

Tx-Flooding 10/18/98

$11K to the City of Live Oak for repairs

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

Around Live Oak

Live Oak and the towns around it

Very lowLowModerateHighVery high

Selmamostly inland floodingVery high

Universal Citymostly inland floodingHigh

Conversemostly inland floodingHigh

San Antoniomostly inland floodingModerate

Live Oakmostly 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. Live Oak covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Live Oak’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Live Oak. 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 Live Oak total about $4.6M 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.