Natural hazards · San Saba

San Saba, TX natural hazards

Most of the natural-hazard damage FEMA expects in San Saba comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 10 claims here since 1997. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is San Saba?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in San Saba to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding61%Tornadoes11%Cold waves8%Hail5%Everything else16%

By hazard

What San Saba faces

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

Inland flooding

61% of expected damage

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

Recorded about once a year in the area

Tornadoes

11% of expected damage

Above average · higher than 60% of U.S. places

Cold waves

8% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Hail

5% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat 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 San Saba flood?

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

10paid claims since 1997

$211Kpaid to owners

1homes flooded more than once

19972026

Biggest named events

2025 July Central TX Flooding: 3 claims, $104K
Late winter severe storms: 1 claim, $38K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

No community discount. San Saba isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: San Saba County.

Disasters that hit San Saba

2 federal disasters brought FEMA money here

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

Brought FEMA money into San SabaDeclared for San Saba County only

2025

Severe Storms, Straight-Line Winds, and Flooding

212 households applied for aid $1.9M aid approved $655K to the City of San Saba for repairs

2018

Severe Storms and Flooding

$13K to the City of San Saba for repairs

San Saba County has had 18 natural disasters declared since 1953, most often fires and floods.

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