Natural hazards · Somerset

Somerset, TX natural hazards

Most of the natural-hazard damage FEMA expects in Somerset comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Somerset?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Somerset to be higher than in 23% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes22%Hail15%Heat waves8%Everything else5%

By hazard

What Somerset faces

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

Inland flooding

49% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

22% of expected damage

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

Hail

15% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Heat waves

8% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold 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 Somerset flood?

FEMA's records show no paid flood insurance claims in Somerset.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Somerset 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 Somerset

3 federal disasters brought FEMA money here

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

Brought FEMA money into SomersetDeclared for Bexar County only

2021

Severe Winter Storms

49 households applied for aid $47K aid approved

2007

Tropical Storm Erin

1 household applied for aid $3K aid approved

1998

Tx-Flooding 10/18/98

$2K to the City of Somerset for repairs

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

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