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Risk: Relatively Moderate

Guadalupe County, TX Environment & Hazard Risk

Relatively Moderate natural hazard risk, led by tornado. 419 storm events since 1996.

Expected yearly loss
$124M
Relatively Moderate nationally
Storm events since 1996
419
Most often flash flood
Flood insurance policies
2,244
3.6% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Moderate

Score 91.5 of 100

Social vulnerability

Very Low

Score 18.9 of 100

Community resilience

Relatively Moderate

Score 50.8 of 100

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

Building value exposed: $28.51B · Agriculture value exposed: $94.75M · Risk-adjusted yearly loss: $109M

Risk by hazard

  • TornadoRelatively High$10.22M/yr expected annual loss, about once every 3 years
  • HailRelatively Moderate$2.45M/yr expected annual loss, about 3.0 events a year
  • LightningRelatively High$1.4M/yr expected annual loss, about 49 events a year
  • Heat waveRelatively Moderate$3.36M/yr expected annual loss, about 11 events a year
  • Winter weatherRelatively Moderate$318K/yr expected annual loss, about 2.6 events a year
  • DroughtRelatively Moderate$1M/yr expected annual loss, about 75 events a year
  • WildfireRelatively Low$310K/yr expected annual loss, about once every 832 years
  • Cold waveRelatively Moderate$2.64M/yr expected annual loss, about once every 2 years
  • HurricaneRelatively Low$509K/yr expected annual loss, about once every 18 years
  • Strong windRelatively Moderate$901K/yr expected annual loss, about 1.2 events a year
  • Ice stormRelatively Low$104K/yr expected annual loss, about once every 3 years
  • LandslideVery Low$257/yr expected annual loss, about once every 13 years
  • EarthquakeVery Low$35.74K/yr expected annual loss, about once every 2,681 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
2,244 of 62,019 (3.6%)
Homes in high-risk flood zones
4,390
Insured in high-risk zones
1,749 (40%)
Flood claims since 1978
2,456
Claims paid since 1978
$110M

Flood claims paid per year

Flood claims paid per year in Guadalupe County
  • Flooding$61.37M · 904 claims
  • Torrential rain$18.53M · 628 claims
  • Early summer storms$2.03M · 34 claims
  • Fall severe storms$642K · 30 claims
  • 2025 July Central TX Flooding$137K · 4 claims
  • Hurricane Harvey$53.75K · 5 claims

Storm history

Since 1996: 419 events, 10 deaths, $56.45M in damage

  • Flash Flood99 · 8 deaths
  • Thunderstorm Wind87
  • Drought81
  • Hail79
  • Winter Storm15
  • Tornado12
  • Winter Weather11
  • Excessive Heat8
  • Flood7
  • Extreme Cold/Wind Chill4

Events per year

Storm events per year in Guadalupe County
20
3
12
9
12
6
15
7
18
9
8
8
25
16
18
30
28
20
25
15

26 tornadoes on record (EF0 2, EF1 2, EF2 3, F0 6, F1 6, F2 4, F3 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flash Flood10/17/1998

    Countywide, Guadalupe County

    4 deaths, 500 injured, $5.1M 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

    Guadalupe

    250 injured, $5.08M damage

    What happened

    Flooding along the San Antonio River, Cibolo Creek and Geronimo CreekIn Bexar County, the San Antonio River begins just below Olmos Dam where it merges with spring flow. Two new flood tunnels on the San Antonio River and Apache Creek respectively saved downtown San Antonio and homes and businesses below Brackenridge Golf Course to the old Lone Star Brewery from very serious flooding. At Loop 410 in San Antonio, the San Antonio River crested at 36.2 feet, where flood stage is 20 feet. Several homes just below Loop 410 had 10 feet of water over the slabs. At Elmendorf, the San Antonio crested at 64.6 feet, with flood stage at 35 feet. Flow escaped out of the deep canyon of the channel and flowed over the prevailing very flat flood plain, severely flooding homes. In Wilson County at Floresville, the San Antonio flooded several houses, but residential flooding was not nearly as severe as other areas. In Karnes County near Falls City, the gauge flooded early in the event as the San Antonio flooded five homes in the southwest section of the city.In Bexar County, Cibolo Creek at Selma was gauged at 22' and rising, with flood stage at 17 feet. At Schertz, the crest was well...

  • Flood10/17/1998

    Guadalupe

    50 injured, $30.05M 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,...

  • Flash Flood06/22/1997

    Countywide, Guadalupe County

    20 injured, $400K 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 Flood11/16/2001

    Countywide, Guadalupe County

    1 death, 5 injured, $80K damage

    What happened

    Rainfall through the late afternoon brought totals across the county to 2 to 3 inches, with isolated amounts in the Seguin area to near 6 inches. Widespread flash flooding swept cars into low water crossings across the county. The occupants of a mobile-home park were forced to evacuate when flood waters threatened their area. Some buildings of the Schertz-Cibolo-Universal City school district were flooded. A 19-year old woman was drowned after the car she was riding in became stranded at a low water crossing across Geronimo Creek. The driver was rescued. Another vehicle was stalled in the deep water at the same time, but all occupants of that vehicle were able to be rescued.

  • Heat06/12/2011

    Guadalupe

    1 death

    What happened

    A three year old boy was discovered dead in the family car at his home in a rural part of Guadalupe County between New Berlin and La Vernia. High temperatures in the area were 99 at New Braunfels Airport, 99 at Randolf AFB, 101 at Stinson Municipal Airport, and 98 at San Antonio International Airport. The normal high for the date at San Antonio International Airport is 91.

Latest storm reports

Newest first

  • Flash Flood07/15/2026

    Schumansville, Guadalupe County

  • Flash Flood07/15/2026

    Cibolo Kardys Arpt, Guadalupe County

  • Drought06/01/2026

    Guadalupe

  • Flash Flood05/27/2026

    Cibolo Kardys Arpt, Guadalupe County

  • Thunderstorm Wind54 kt wind05/27/2026

    New Berlin, Guadalupe County

  • TornadoEF1, 2.91 mi path, 70 yd wide05/26/2026

    New Berlin, Guadalupe County

  • Flash Flood05/01/2026

    New Berlin, Guadalupe County

  • Drought05/01/2026

    Guadalupe

Drinking water

16 community water systems serve about 207,352 people. Violations since 2021.

6 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 3 systems had a violation of any kind still open at last report.

  • Green Valley SudServes 52,497 · Purchased surface water · Local governmentNo health violations+6 monitoring or reporting
  • City of SchertzServes 41,948 · Groundwater · Local governmentNo health violations+5 monitoring or reporting
  • Springs Hill SudServes 35,541 · Surface water · Local government2 health violations+1 monitoring or reporting
  • City of SeguinServes 32,736 · Surface water · Local government1 health violation
  • Crystal Clear SudServes 20,766 · Purchased surface water · Local governmentNo health violations+2 monitoring or reporting
  • City of CiboloServes 20,331 · Purchased surface water · Local governmentNo health violations+1 monitoring or reporting
  • City of MarionServes 1,971 · Purchased surface water · Local governmentNo health violations+3 monitoring or reporting
  • Oak Hills Ranch WaterServes 624 · Groundwater · PrivateNo health violations+30 monitoring or reporting

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

Climate

1991-2020 normals at Austin San Antonio, 7.4 mi from the county center

Summer highs peak around 98°F in Aug and winter lows bottom out near 40°F in Jan. About 31.3 inches of rain falls in a typical year.

MonthHighLowRain
Jan64°F40°F2.14 in
Feb68°F44°F1.72 in
Mar75°F51°F2.49 in
Apr82°F58°F2.00 in
May88°F66°F3.63 in
Jun93°F71°F3.44 in
Jul96°F73°F2.21 in
Aug98°F73°F2.01 in
Sep92°F68°F3.45 in
Oct84°F59°F3.30 in
Nov73°F49°F2.46 in
Dec65°F42°F2.42 in
Year70°F average31.3 in

Pollution sites

0 Superfund sites and 14 toxic release facilities in Guadalupe County

Superfund sites

None in this county.

Toxic release facilities

Total: 1.1 million lbs in 2024, 225,470 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk8 historic places

Frequently asked questions

How risky is Guadalupe County for natural disasters?
FEMA rates Guadalupe County relatively moderate for overall natural hazard risk, with expected losses of $124M a year. The highest-rated hazards are tornado (relatively high), hail (relatively moderate), lightning (relatively high).
What storms are most common in Guadalupe County?
Since 1996, NOAA recorded 419 storm events affecting Guadalupe County, most often flash flood (99), thunderstorm wind (87), drought (81).
How many tornadoes have hit Guadalupe County?
26 tornadoes have been recorded in Guadalupe County since 1950, including 1 rated F3/EF3 or stronger.
How many homes in Guadalupe County have flood insurance?
2,244 residential flood insurance policies are in force in Guadalupe County, covering about 3.6% of homes. The program has paid $110M on 2,456 claims here since 1978.
What is the weather like in Guadalupe County?
At Austin San Antonio, average highs reach 98°F in Aug and lows fall to 40°F in Jan, with 31.3 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.