Natural Disaster Risk in San Antonio
Texas
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
All 18 Hazard Scores
How it compares
Live Conditions
π 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
UrbanGeographic 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
Notable Weather Days (last 12 months)
ZIP Codes in San Antonio
Other cities in Texas
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.