Kendall County, Texas: hazard risk
FEMA rates Kendall County's overall risk Relatively Low (score 65.5 of 100, higher than 65% of rated U.S. counties). Its storm record holds 435 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 |
|---|---|---|---|
| Hail | Relatively Moderate | 87.3 | $1.5M |
| Lightning | Relatively Moderate | 77.5 | $684K |
| Winter Weather | Relatively Moderate | 76.3 | $184K |
| Riverine Flooding | Relatively Moderate | 75.1 | $17M |
| Tornado | Relatively Moderate | 73.6 | $3.0M |
| Drought | Relatively Moderate | 72.8 | $642K |
| Strong Wind | Relatively Moderate | 64.3 | $861K |
| Wildfire | Relatively Low | 85.5 | $753K |
| Cold Wave | Relatively Low | 50.9 | $1.0M |
| Heat Wave | Relatively Low | 46.2 | $325K |
| Landslide | Very Low | 52.5 | $2K |
| Hurricane | Very Low | 47.8 | $63K |
| Ice Storm | Very Low | 14.6 | $10K |
| Earthquake | Very Low | 9.2 | $9K |
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 | 128 | 0 | $305K | 122nd of 254 | 1224th of 3,080 |
| Drought | 119 | 0 | – | 15th of 254 | 60th of 3,063 |
| Floods | 88 | 6 | $17M | 19th of 254 | 532nd of 3,080 |
| Severe thunderstorm wind | 39 | 0 | $2.0M | 200th of 254 | 2560th of 3,080 |
| Winter storms | 31 | 0 | – | 69th of 254 | 2291st of 3,077 |
| Tornadoes | 21 | 0 | $15M | 154th of 254 | 1700th of 3,080 |
| Extreme cold | 5 | 1 | – | 106th of 254 | 2020th of 3,076 |
| Heat | 3 | 0 | – | 145th of 254 | 1924th of 3,076 |
| Wildfires | 1 | 0 | $656K | 175th of 254 | 1005th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Kendall County record: every hazard by year and month, the deadliest events and FEMA's declarations.