Natural hazards · Mountain

Mountain, TX natural hazards

Most of the natural-hazard damage FEMA expects in Mountain comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2013. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mountain?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mountain to be higher than in 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding62%Tornadoes17%Hail6%Everything else15%

By hazard

What Mountain faces

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

Inland flooding

62% of expected damage

Above average · higher than 58% 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 49 years in the area

Hail

6% of expected damage

Well above average · higher than 91% 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 Mountain flood?

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

2paid claims since 2013

$23Kpaid to owners

1homes flooded more than once

20132026

Biggest named events

Fall severe storms: 1 claim, $6K

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. Mountain 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 Mountain

2 federal disasters brought FEMA money here

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

Brought FEMA money into MountainDeclared for Hays County only

2021

Severe Winter Storms

2 households applied for aid

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

1 household applied for aid

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

Around Mountain

Mountain and the towns around it

Very lowLowModerateHighVery high

Mountain Citymostly inland floodingModerate

Kylemostly 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. Mountain 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 Mountain’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mountain. 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.