Natural hazards · Selma

Selma, TX natural hazards

Most of the natural-hazard damage FEMA expects in Selma comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 4 claims here since 1998. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Selma?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Selma to be higher than in 81% of U.S. communities, mostly from inland flooding.

Inland flooding77%Tornadoes11%Hail5%Everything else7%

By hazard

What Selma faces

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

Inland flooding

77% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

11% of expected damage

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

Hail

5% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 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 Selma flood?

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

4paid claims since 1998

$26Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bexar County.

Disasters that hit Selma

3 federal disasters brought FEMA money here

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

Brought FEMA money into SelmaDeclared for Bexar County only

2021

Severe Winter Storms

54 households applied for aid $8K aid approved $46K to the City of Selma for repairs

2002

Severe Storms and Flooding

$34K to the City of Selma for repairs

1998

Tx-Flooding 10/18/98

$31K to the City of Selma for repairs

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

Around Selma

Selma and the towns around it

Very lowLowModerateHighVery high

Selmamostly inland floodingVery high

Universal Citymostly inland floodingHigh

Schertzmostly inland floodingModerate

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. Selma covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Selma’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Selma. 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 Selma total about $8.7M 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.