Comal County, Texas: hazard risk
FEMA rates Comal County's overall risk Relatively Moderate (score 92.7 of 100, higher than 92% of rated U.S. counties); 5 of its 14 hazards are rated Relatively High or Very High, led by riverine flooding, hail, tornado. Its storm record holds 571 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 |
|---|---|---|---|
| Riverine Flooding | Relatively High | 96.6 | $118M |
| Hail | Relatively High | 94.4 | $3.1M |
| Tornado | Relatively High | 93.2 | $11M |
| Winter Weather | Relatively High | 91.3 | $514K |
| Lightning | Relatively High | 89.3 | $1.3M |
| Wildfire | Relatively Moderate | 89.3 | $1.4M |
| Heat Wave | Relatively Moderate | 88.2 | $3.0M |
| Strong Wind | Relatively Moderate | 77.0 | $1.3M |
| Cold Wave | Relatively Moderate | 76.6 | $3.4M |
| Drought | Relatively Moderate | 66.6 | $481K |
| Ice Storm | Relatively Moderate | 60.8 | $160K |
| Hurricane | Relatively Low | 62.9 | $326K |
| Landslide | Very Low | 48.1 | $1K |
| Earthquake | Very Low | 17.5 | $26K |
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 | 182 | 0 | $576K | 54th of 254 | 593rd of 3,080 |
| Floods | 147 | 6 | $488M | 5th of 254 | 198th of 3,080 |
| Drought | 93 | 0 | – | 19th of 254 | 74th of 3,063 |
| Severe thunderstorm wind | 82 | 0 | $12M | 84th of 254 | 2036th of 3,080 |
| Winter storms | 33 | 1 | $547K | 47th of 254 | 2132nd of 3,077 |
| Tornadoes | 17 | 0 | $3.7M | 140th of 254 | 1635th of 3,080 |
| Heat | 9 | 2 | – | 108th of 254 | 1119th of 3,076 |
| Extreme cold | 5 | 0 | – | 78th of 254 | 1870th of 3,076 |
| Hurricanes and tropical storms | 1 | 0 | $1.2M | 71st of 254 | 947th of 1,849 |
| Lightning | 1 | 0 | – | 108th of 254 | 1976th 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 Comal County record: every hazard by year and month, the deadliest events and FEMA's declarations.