Natural hazards · St. Hedwig

St. Hedwig, TX natural hazards

Most of the natural-hazard damage FEMA expects in St. Hedwig comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1998. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is St. Hedwig?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Hedwig to be higher than in 40% of U.S. communities, mostly from inland flooding and hail.

Inland flooding54%Hail24%Tornadoes12%Everything else9%

By hazard

What St. Hedwig faces

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

Inland flooding

54% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 7 times a year in the area

Hail

24% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 66 years 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 St. Hedwig flood?

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

3paid claims since 1998

$206Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

No community discount. St. Hedwig 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 St. Hedwig

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in St. Hedwig itself: aid to households, or repair grants to the Town of St. Hedwig.

Brought FEMA money into St. HedwigDeclared for Bexar County only

2021

Severe Winter Storms

24 households applied for aid $13K aid approved

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. St. Hedwig covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to St. Hedwig’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of St. Hedwig. 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 St. Hedwig total about $1.7M 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.