🌍 ClimateRiskCheck

Natural Disaster Risk in San Antonio

Texas

8.0out of 10
Very High Risk

Risk Summary for San Antonio

San Antonio 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

San Antonio
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: San Antonio, Texas

San Antonio, in Bexar County, is a city of 96,015 residents situated along the Gulf Coast. Its diverse climate brings an exceptionally varied climate from humid subtropical in the east to desert in the west, and in particular overlapping tornado, hurricane, flood, and drought seasons. These conditions collectively define the natural hazard environment that San Antonio residents and property owners must navigate.

According to FEMA's National Risk Index, San Antonio carries an overall risk score of 8.0/10, placing it in the very high category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to tornado and heat.

Within Texas, San Antonio's risk is, considerably above the 5.6/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Bexar County identifies hail as the foremost hazard, followed by tornado and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

The very high risk environment in San Antonio warrants proactive steps beyond standard preparedness. Review property insurance annually to ensure it covers the area's primary hazards, including hail. Establish a household emergency plan and keep supplies stocked, as the region's risk profile may require rapid response.

What this means for San Antonio: Hail preparedness

  • Document roof and property condition annually to streamline any future hail claims.
  • 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.

Local Factors for San Antonio

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

Population

96,015

Urban

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 29.4Β°

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

29.4011Β° N, 98.7355Β° 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 San Antonio

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in San Antonio

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.