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Risk: Relatively Moderate

Comal County, TX Environment & Hazard Risk

Relatively Moderate natural hazard risk, led by hail. 504 storm events since 1996.

Expected yearly loss
$144M
Relatively Moderate nationally
Storm events since 1996
504
Most often flash flood
Flood insurance policies
1,500
2.4% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Moderate

Score 92.7 of 100

Social vulnerability

Relatively Low

Score 22.8 of 100

Community resilience

Relatively High

Score 73.5 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $35.2B · Agriculture value exposed: $12.4M · Risk-adjusted yearly loss: $131M

Risk by hazard

  • HailRelatively High$3.1M/yr expected annual loss, about 3.9 events a year
  • TornadoRelatively High$10.9M/yr expected annual loss, about once every 4 years
  • Winter weatherRelatively High$514K/yr expected annual loss, about 3.5 events a year
  • LightningRelatively High$1.3M/yr expected annual loss, about 48 events a year
  • WildfireRelatively Moderate$1.4M/yr expected annual loss, about once every 720 years
  • Heat waveRelatively Moderate$3M/yr expected annual loss, about 10 events a year
  • Strong windRelatively Moderate$1.3M/yr expected annual loss, about 1.4 events a year
  • Cold waveRelatively Moderate$3.4M/yr expected annual loss, about once every 2 years
  • DroughtRelatively Moderate$481K/yr expected annual loss, about 86 events a year
  • HurricaneRelatively Low$326K/yr expected annual loss, about once every 25 years
  • Ice stormRelatively Moderate$160K/yr expected annual loss, about once every 2 years
  • LandslideVery Low$1,386/yr expected annual loss, about once every 6 years
  • EarthquakeVery Low$25.9K/yr expected annual loss, about once every 2,899 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
1,500 of 62,275 (2.4%)
Homes in high-risk flood zones
1,408
Insured in high-risk zones
651 (46%)
Flood claims since 1978
1,223
Claims paid since 1978
$60.8M

Flood claims paid per year

Flood claims paid per year in Comal County
Beta
  • Flooding$23.1M · 305 claims
  • Torrential rain$20.1M · 327 claims
  • Fall severe storms$4.6M · 129 claims
  • 2025 July Central TX Flooding$77K · 2 claims
  • Early summer storms$67.4K · 8 claims
  • 2026-07-Texas-Flooding$46.8K · 5 claims

Storm history

Since 1996: 504 events, 9 deaths, $276M in damage

  • Flash Flood144 · 6 deaths
  • Hail143
  • Drought93
  • Thunderstorm Wind58
  • Winter Storm18 · 1 death
  • Winter Weather15
  • Flood9
  • Excessive Heat7
  • Tornado7
  • Cold/Wind Chill3
Beta

Events per year

Storm events per year in Comal County
19
1
8
10
13
7
24
9
17
18
16
8
24
7
30
26
38
24
34
19
Beta

17 tornadoes on record (EF0 3, EF1 2, F0 8, F1 3, F3 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flash Flood10/17/1998

    Countywide, Comal County

    2 deaths, 800 injured, $50.1M damage

    What happened

    The Great October FloodIn advance of a very slow-moving upper level trough of low pressure over West Texas, a cold front drifted slowly southeastward into West Central Texas during the evening of Friday, October 16th. Deep moisture was in place across South Central Texas as the two systems approached, being fed at the mid and upper levels by two nearly stationary hurricanes, Madeline near the tip of Baja Mexico, and Lester, anchored just off Acapulco, Mexico, and in the low levels by a strong flow from the Gulf of Mexico. A very moisture-rich environment was in place across South Central Texas as the event developed. Near 3 am CST, with the cold front still west of San Angelo, scattered showers and thunderstorms began to break out over Bexar County beneath the mid and upper level moisture plume. They quickly became widespread as a low level rain-cooled boundary formed along the south and east edge of the county. It was upon this boundary that subsequent showers and thunderstorms continued to form. By 6 am CST, rainfall of up to 4 inches had been reported in Western Bexar County, with amounts approaching 4 inches in Western Comal County. By 8 am CST that morning, heavy...

  • Flood10/17/1998

    Comal

    50 injured, $201M damage

    What happened

    Flooding along the Guadalupe RiverThe Guadalupe River at New Braunfels crested at 35.1 feet, with flood stage at 7 feet. This was over three feet higher than the disastrous flood of May 12, 1972. Homes were destroyed, moved downstream, or severely damaged from just below Sattler, near the Bear Creek confluence, across the remainder of the county. Homes along the entire reach were flooded well away from the channel, in areas that never flooded before. Along River Road, numerous autos, RVs, and homes were strewn along the flood plain. Recreational camps and outfitters headquarters buildings were destroyed. Homes near Common Street in New Braunfels had slabs as low as 12.5 feet. These homes had 23 feet of torrential flow over the slabs. At the New Braunfels gauge below the Comal River confluence just above IH 35, the Guadalupe crested at 39.3 feet, again some three feet above the disastrous flood of May 12, 1972. Water seeped into the Pepperell Mills plant. A large apartment complex left bank just downstream had flow through the windows of the lowest floors. Water was within five feet of the IH 35 bridge bottom. Below IH 35, fine two story homes were destroyed,...

  • Flood10/17/1998

    Comal

    50 injured, $8.1M damage

    What happened

    Flooding along the Comal RiverAt New Braunfels, the Comal River reached well above the flood stage of 15 feet, causing widespread flooding of homes in New Braunfels along Dry Comal Creek. Water rose to the roofs of some of the lowest homes.

  • Flash Flood06/09/2010

    New Braunfels, Comal County

    1 death, $10M damage

    What happened

    A storm survey along the Guadalupe River from River Road down into the city of New Braunfels showed devastation along the banks of the river. The river rose some 20+ feet in less than 2 hours sweeping campers, cars, trailers, tubes, and other debris down the river toward New Braunfels and Seguin. Campsites downstream of the 3rd River Road crossing where demolished and swept clean due to the power of water. The campsites along the stretch of River Road near Camp Hueco Springs were especially hit hard as Elm creek flooded and brought tremendous water into the Guadalupe. A death occurred at this location as a man was swept downstream. Other campers were rescued down in New Braunfels after being swept miles downstream. Tubing businesses along the Guadalupe suffered major losses along with homes from Gruene down into Seguin. Thirty vehicles and 14 RVs were removed from the River in Comal County. One hundred twenty-one homes and businesses suffered damage. Damage estimate does not include other insured losses.

  • Flash Flood06/22/1997

    Countywide, Comal County

    10 injured, $2.1M damage

    What happened

    The heavy rain Friday night into Saturday afternoon had left South Central Texas soils saturated. The situation worsened Saturday evening into Sunday as heavy rain associated with the upper low pressure system redeveloped over the western Texas Hill Country. Very heavy rains over the Texas Hill Country Saturday night and Sunday morning caused widespread flooding as well as flash flooding across numerous counties. The heavy rains moved into San Antonio Sunday morning and into the Austin area later in the morning. By Sunday afternoon and evening, areas of showers and thunderstorms had diminished over South Central Texas as the upper low moved into North Texas. Late Sunday evening, they again developed over the Texas Hill Country, producing additional severe flooding and flash flooding late Sunday night into Monday morning.Rainfall amounts for the three rain events, including the period from Friday through Monday, averaged between 4 and 6 inces, with over 15 inches across many locations in the Texas Hill Country. The least amount of rain fell in the Del Rio area, west of the low, while the most rain fell over parts of the Texas Hill Country. The heaviest rain amounts fell...

  • Flash Flood10/31/2013

    New Braunfels, Comal County

    1 death, $100K damage

    What happened

    Thunderstorms produced heavy rain that led to flash flooding in Comal County. People were evacuated along River Road in New Braunfels, and near Spring Branch, Elm Creek was running 40 to 50 feet wide where it is normally about four feet. The 24 hour rainfall in the River Rd. area ranged from 3.81 to 6.58 inches while in the Spring Branch area there was between 10.40 and 11.75 inches. A man fell into the Guadalupe River near the horseshoe just down from Canyon Dam. The man was trying to retrieve some equipment while the river was quickly rising. The 26 year old drown and his body was recovered a few days later. Portions of River Road just west of New Braunfels became flooded between 1 and 2 am in the morning.

Drinking water

32 community water systems serve about 220,261 people. Violations since 2021.

12 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 6 systems had a violation of any kind still open at last report.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 13 toxic release facilities in Comal County

Superfund sites

None in this county.

Toxic release facilities

Total: 199,028 lbs in 2024, 192,669 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk13 historic places

Frequently asked questions

How risky is Comal County for natural disasters?
FEMA rates Comal County relatively moderate for overall natural hazard risk, with expected losses of $144M a year. The highest-rated hazards are hail (relatively high), tornado (relatively high), winter weather (relatively high).
What storms are most common in Comal County?
Since 1996, NOAA recorded 504 storm events affecting Comal County, most often flash flood (144), hail (143), drought (93).
How many tornadoes have hit Comal County?
17 tornadoes have been recorded in Comal County since 1950, including 1 rated F3/EF3 or stronger.
How many homes in Comal County have flood insurance?
1,500 residential flood insurance policies are in force in Comal County, covering about 2.4% of homes. The program has paid $60.8M on 1,223 claims here since 1978.
What is the weather like in Comal County?
At Canyon Dam, average highs reach 96°F in Aug and lows fall to 40°F in Jan, with 37.8 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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