🌍 ClimateRiskCheck

Natural Disaster Risk in Elmendorf

Texas

8.0out of 10
Very High Risk

Risk Summary for Elmendorf

Elmendorf scores 8.0/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Tornado Extreme Heat

All 18 Hazard Scores

Tornado
10.0
Hail
10.0
Extreme Heat
9.9
Lightning
9.7
Cold Wave
9.5
Wildfire
9.3
Winter Weather
9.0
Hurricane
8.9
Strong Wind
8.9
Landslide
8.7
Ice Storm
8.3
Drought
7.3
Earthquake
6.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Elmendorf
8.0
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

High-risk area β€” review your coverage carefully

Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.

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

Natural Hazard Profile: Elmendorf, Texas

Elmendorf is a town of roughly 9,769 residents in Bexar County, along the Gulf Coast. 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 Elmendorf.

According to FEMA's National Risk Index, Elmendorf carries an overall risk score of 8.0/10, placing it in the very 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 heat.

Elmendorf'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 Bexar County, the highest-scoring are hail, tornado, and heat. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Given Elmendorf's very high risk classification, residents should treat disaster preparedness as a year-round priority. This means maintaining updated homeowners and flood insurance, building a 72-hour emergency kit, knowing the evacuation routes for the primary hazards, and signing up for local emergency alert systems.

What this means for Elmendorf: 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 Elmendorf

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

Population

9,769

Small Town

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 29.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.3/10

Coordinates

29.2135Β° N, 98.3727Β° W

Bexar 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 Elmendorf

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Elmendorf

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.