Bandera County, Texas: hazard risk
FEMA rates Bandera County's overall risk Relatively Low (score 66.7 of 100, higher than 66% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by lightning. Its storm record holds 468 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Lightning | Relatively High | 84.4 | $597K |
| Hail | Relatively Moderate | 81.0 | $621K |
| Riverine Flooding | Relatively Moderate | 79.3 | $12M |
| Winter Weather | Relatively Moderate | 69.3 | $83K |
| Drought | Relatively Moderate | 68.9 | $326K |
| Tornado | Relatively Moderate | 65.0 | $1.4M |
| Strong Wind | Relatively Moderate | 61.6 | $507K |
| Wildfire | Relatively Low | 86.7 | $554K |
| Landslide | Relatively Low | 66.5 | $3K |
| Heat Wave | Relatively Low | 40.1 | $153K |
| Cold Wave | Relatively Low | 29.5 | $265K |
| Hurricane | Very Low | 46.6 | $35K |
| Ice Storm | Very Low | 10.3 | $4K |
| Earthquake | Very Low | 9.5 | $6K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Hail | 140 | 0 | $15K | 143rd of 254 | 1429th of 3,080 |
| Floods | 130 | 6 | $14M | 17th of 254 | 514th of 3,080 |
| Drought | 114 | 0 | – | 25th of 254 | 113th of 3,063 |
| Severe thunderstorm wind | 41 | 0 | $1.4M | 205th of 254 | 2574th of 3,080 |
| Winter storms | 25 | 0 | – | 121st of 254 | 2504th of 3,077 |
| Tornadoes | 7 | 0 | $390K | 232nd of 254 | 2573rd of 3,080 |
| Extreme cold | 4 | 1 | – | 150th of 254 | 2275th of 3,076 |
| Heat | 4 | 0 | – | 143rd of 254 | 1872nd of 3,076 |
| High wind and dust storms | 1 | 0 | – | 184th of 254 | 2940th of 3,080 |
| Lightning | 1 | 1 | – | 119th of 254 | 2146th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Bandera County record: every hazard by year and month, the deadliest events and FEMA's declarations.