Natural hazards · Terrell Hills

Terrell Hills, TX natural hazards

Most of the natural-hazard damage FEMA expects in Terrell Hills comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 41 claims here since 1979.

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

Expected damage

How exposed is Terrell Hills?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Terrell Hills to be higher than in 46% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding61%Tornadoes18%Hail14%Everything else7%

By hazard

What Terrell Hills faces

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

Inland flooding

61% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

18% of expected damage

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

Hail

14% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesIce 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 Terrell Hills flood?

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

41paid claims since 1979

$222Kpaid to owners

7homes flooded more than once

19792026

Biggest named events

Torrential rain: 1 claim, $3K
Tropical Storm Erin: 1 claim, $2K

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. Terrell Hills 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 Terrell Hills

Federal disasters declared here

None of the disasters declared for Bexar County shows FEMA aid or repair money reaching Terrell Hills itself in FEMA’s records.

Brought FEMA money into Terrell HillsDeclared for Bexar County only

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. Terrell Hills covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Terrell Hills’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Terrell Hills. 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 Terrell Hills total about $2.4M 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.