Natural hazards · Seguin

Seguin, TX natural hazards

Most of the natural-hazard damage FEMA expects in Seguin comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 330 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Seguin?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Seguin to be higher than in 57% of U.S. communities, mostly from inland flooding.

Inland flooding79%Tornadoes10%Everything else11%

By hazard

What Seguin faces

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

Inland flooding

79% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 68% 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 Seguin flood?

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

330paid claims since 1978

$16.9Mpaid to owners

99homes flooded more than once

19782026

Biggest named events

Torrential rain: 60 claims, $1.8M
2025 July Central TX Flooding: 2 claims, $137K
Fall severe storms: 1 claim, $3K

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (27) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Seguin 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

56homes raised above flood level

Disasters that hit Seguin

10 federal disasters brought FEMA money here

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

Brought FEMA money into SeguinDeclared for Guadalupe County only

2025

Severe Storms, Straight-Line Winds, and Flooding

142 households applied for aid $890K aid approved

2024

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

36 households applied for aid $56K aid approved

2021

Severe Winter Storms

407 households applied for aid $206K aid approved $73K to the City of Seguin for repairs

2017

Hurricane Harvey

$478K to the City of Seguin for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

77 households applied for aid $81K aid approved

2007

Severe Storms, Tornadoes, and Flooding

62 households applied for aid $196K aid approved

2005

Hurricane Rita

$11K to the City of Seguin for repairs

2005

Hurricane Katrina Evacuation

$2K to the City of Seguin for repairs

2002

Severe Storms and Flooding

$792K to the City of Seguin for repairs

1998

Tx-Flooding 10/18/98

$1.1M to the City of Seguin for repairs

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

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. Seguin covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Seguin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Seguin. 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 Seguin total about $17.4M 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.