Natural hazards · Spring Branch

Spring Branch, TX natural hazards

Most of the natural-hazard damage FEMA expects in Spring Branch comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 6 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 Spring Branch?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Branch to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding75%Tornadoes11%Everything else14%

By hazard

What Spring Branch faces

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

Inland flooding

75% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 70% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Spring Branch flood?

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

6paid claims since 1997

$72Kpaid to owners

3homes flooded more than once

19972026

Biggest named events

Torrential rain: 3 claims, $29K
2026-07-Texas-Flooding: 1 claim, $24K

Homes that flooded again and again

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Comal County.

Disasters that hit Spring Branch

2 federal disasters brought FEMA money here

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

Brought FEMA money into Spring BranchDeclared for Comal County only

2021

Severe Winter Storms

259 households applied for aid $73K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

32 households applied for aid $48K aid approved

Comal County has had 22 natural disasters declared since 1953, most often floods 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. Spring Branch 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 Spring Branch’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Spring Branch. 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.