Comal County, TX
FEMA National Risk Index scores, disaster declarations & hazard data
Comal County has experienced 27 federally declared disasters since 1972, most recently Flooding in 2026. Its overall natural hazard risk is rated Relatively Moderate — near the middle compared to other US counties.
Comal County's highest-rated hazards are inland flooding, hail, and tornado, with its top risk rated "Relatively High" by FEMA's National Risk Index. Recorded storm events have increased 88% over the past five years compared to the prior five-year period. Community vulnerability is relatively low (27th percentile nationally), indicating stronger recovery capacity than most US counties.
Past disasters & FEMA designations
A federal disaster declaration officially designates a county for FEMA disaster assistance. Comal County has been designated in 27 declarations since 1972, covering 8 disaster types including hurricane (6), flood (6), fire (6).
| Year | Type | Event name |
|---|---|---|
| 2026 | Flood | Flooding |
| 2023 | Winter Storm | Severe Winter Storm |
| 2021 | Severe Ice Storm | Severe Winter Storms |
| 2021 | Severe Ice Storm | Severe Winter Storm |
| 2020 | Biological | Covid-19 Pandemic |
| 2020 | Biological | Covid-19 |
| 2017 | Hurricane | Hurricane Harvey |
| 2016 | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds, And Flooding |
| 2015 | Severe Storm | Severe Storms, Tornadoes, Straight-Line Winds And Flooding |
| 2010 | Hurricane | Tropical Storm Alex |
Showing the 10 most recent of 27 total declarations since 1972.
Source: FEMA OpenFEMA Disaster Declarations Summaries. A single disaster can produce more than one record per county. Data current through September 2026.
Risk by hazard type
| Hazard | Risk rating | Risk score | Recorded events | Deaths | Prop. damage |
|---|---|---|---|---|---|
| Wildfire | Relatively Moderate | 89.3 | 0 | 0 | — |
| Inland Flooding | Relatively High | 96.6 | 31 | 0 | $300K |
| Coastal Flooding | Not Applicable | — | 0 | 0 | — |
| Earthquake | Very Low | 17.5 | — | — | — |
| Heat Wave | Relatively Moderate | 88.2 | 7 | 0 | — |
| Tornado | Relatively High | 93.2 | 5 | 0 | $350K |
| Hurricane | Relatively Low | 62.9 | 0 | 0 | — |
| Hail | Relatively High | 94.4 | 75 | 0 | — |
| Strong Wind | Relatively Moderate | 77 | 0 | 0 | — |
| Winter Weather | Relatively High | 91.3 | 0 | 0 | — |
| Ice Storm | Relatively Moderate | 60.8 | — | — | — |
| Cold Wave | Relatively Moderate | 76.6 | — | — | — |
| Lightning | Relatively High | 89.3 | 0 | 0 | — |
| Drought | Relatively Moderate | 66.6 | 0 | 0 | — |
| Landslide | Very Low | 48.1 | 0 | 0 | — |
| Avalanche | Not Applicable | — | — | — | — |
| Tsunami | Not Applicable | — | — | — | — |
| Volcanic Activity | Not Applicable | — | — | — | — |
Scores are 0–100 percentiles relative to all US counties — higher means more exposed, not that a disaster is likely this year. Event counts: NOAA Storm Events 2016–2026; earthquake counts from USGS ComCat (M3.0+, 1996–2026). See the methodology page for details.
Community vulnerability
Comal County ranks in the 27th percentile (Low) for community vulnerability — a measure of how hard disaster impacts tend to hit residents. Higher vulnerability means more displacement, worse health outcomes, and slower recovery after a disaster.
| SVI theme | Percentile | Vulnerability level |
|---|---|---|
| Overall | 27th | Low |
| Socioeconomic status | 24th | Very low |
| Household characteristics | 37th | Low |
| Racial & ethnic minority status | 73rd | Moderate |
| Housing type & transportation | 22nd | Very low |
Source: CDC/ATSDR Social Vulnerability Index 2022. Percentiles compare counties nationally — higher means more vulnerable relative to other counties. See CDC SVI for full methodology.
Future risk outlook
| Wildfire metric | National percentile | Level |
|---|---|---|
| Burn probability | 73rd | Relatively High |
| Risk to homes | 74th | Relatively High |
| Buildings in direct exposure zone | 62.5% | — |
NOAA tracked 118 weather events in this county over 2016–2025: 41 in 2016–20 vs 77 in 2021–25 (+88% — frequency increasing).
Wildfire: USDA Forest Service Wildfire Risk to Communities (RDS-2020-0016-2) — modeled values, not annual forecasts. See wildfirerisk.org. Inland flood and heat projections pending data availability; coastal sea-level projections are available for select coastal counties below — see the data page.
Nearby counties
Frequently asked questions
What natural hazards pose the greatest risk in Comal County?
According to the FEMA National Risk Index, the highest-risk hazards in Comal County, Texas are inland flooding, hail, and tornado. The county's overall natural hazard risk is rated Relatively Moderate — near the middle compared to other US counties.
Has Comal County received federal disaster declarations?
Yes. Comal County has received 27 federal disaster declarations since 1972, including declarations in 2026. The most common disaster type on record is hurricane (6 declarations).
Has Comal County had any FEMA disaster declarations in 2024, 2025, or 2026?
Yes. Recent federal disaster declarations for Comal County include Flooding (2026). See the declarations table above for the full history since 1972.
How does Comal County's natural hazard risk compare to nearby counties?
Among neighboring counties, Bexar County, TX has the highest overall natural hazard risk (Relatively High) and Blanco County, TX has the lowest (Very Low). Comal County is rated Relatively Moderate overall.
How is Comal County's composite disaster risk index calculated?
Comal County's composite disaster risk index — officially FEMA's National Risk Index (NRI) — scores every US county on a 0–100 percentile scale across 18 natural hazard types, factoring in expected annual loss, social vulnerability, and community resilience. Comal County's composite score of 93 means its overall natural hazard risk is higher than 93% of US counties.