Natural hazards · Schertz

Schertz, TX natural hazards

Most of the natural-hazard damage FEMA expects in Schertz comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 52 claims here since 1985. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Schertz?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Schertz to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding84%Tornadoes7%Everything else9%

By hazard

What Schertz faces

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

Inland flooding

84% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

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

Lower here

HurricanesHailIce 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 Schertz flood?

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

52paid claims since 1985

$1.1Mpaid to owners

0homes flooded more than once

19852026

Biggest named events

Tropical Storm Allison: 3 claims, $75K
Tropical Storm Bill: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Guadalupe County.

What’s been done with FEMA grants

3flood-prone properties bought out and cleared

Disasters that hit Schertz

7 federal disasters brought FEMA money here

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

Brought FEMA money into SchertzDeclared for Guadalupe County only

2025

Severe Storms, Straight-Line Winds, and Flooding

9 households applied for aid $17K aid approved

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

10 households applied for aid $13K aid approved

2021

Severe Winter Storms

282 households applied for aid $59K aid approved $88K to the City of Schertz for repairs

2017

Hurricane Harvey

$33K to the City of Schertz for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

2 households applied for aid

2002

Severe Storms and Flooding

$7K to the City of Schertz for repairs

1998

Tx-Flooding 10/18/98

$402K to the City of Schertz for repairs

Guadalupe County has had 18 natural disasters declared since 1953, most often floods and hurricanes.

Around Schertz

Schertz and the towns around it

Very lowLowModerateHighVery high

Selmamostly inland floodingVery high

Universal Citymostly inland floodingHigh

Conversemostly inland floodingHigh

Schertzmostly inland floodingModerate

San Antoniomostly inland floodingModerate

Cibolomostly inland floodingModerate

New Braunfelsmostly inland floodingModerate

Randolph AFBmostly inland floodingModerate

Garden Ridgemostly 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. Schertz covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Schertz’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Schertz. 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 Schertz total about $35.9M 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.