🌍 ClimateRiskCheck

Natural Disaster Risk in Buda

Texas

7.3out of 10
High Risk

Risk Summary for Buda

Buda scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Tornado Lightning

All 18 Hazard Scores

Tornado
9.7
Hail
9.7
Winter Weather
9.5
Lightning
9.5
Extreme Heat
9.3
Wildfire
8.9
Strong Wind
8.8
Cold Wave
8.2
Drought
8.0
Hurricane
7.6
Ice Storm
7.0
Tsunami
5.4
Landslide
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Earthquake
3.5
Riverine Flooding
1.0

How it compares

Buda
7.3
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Buda, Texas

Buda is a city of approximately 48,319 residents in Hays County, in the South Central United States. The area experiences an exceptionally varied climate from humid subtropical in the east to desert in the west, with overlapping tornado, hurricane, flood, and drought seasons shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Buda.

According to FEMA's National Risk Index, Buda carries an overall risk score of 7.3/10, placing it in the high category. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. The area also faces notable exposure to tornado and lightning.

Buda's risk score, considerably above the 5.6/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Hays County, the highest-scoring are hail, tornado, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Buda residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Buda: Hail preparedness

  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
  • Document roof and property condition annually to streamline any future hail claims.

Local Factors for Buda

These city-level factors differentiate Buda from other communities in Hays County and provide geographic context for its hazard exposure.

Population

48,319

Suburban

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 30.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.9/10

Coordinates

30.0796Β° N, 97.8405Β° W

Hays County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Buda

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Buda

Other cities in Texas

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.