Comal County
Texas — Natural Disaster Risk Assessment
MediumComposite Risk Score
National percentile: 93th
Comal County faces medium composite natural disaster risk (NRI Risk Index score 92.7, 93th national percentile), driven primarily by riverine flood and hail exposure. Expected annual loss across all 18 hazard types is $144M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Riverine Flood | High | 3.93 / yr | $118M |
| Hail | High | 3.90 / yr | $3M |
| Tornado | High | 0.25 / yr | $11M |
| Winter Weather | High | 3.47 / yr | $514K |
| Lightning | High | 47.72 / yr | $1M |
| Wildfire | Medium | 0.00 / yr | $1M |
| Heat Wave | Medium | 10.16 / yr | $3M |
| Strong Wind | Medium | 1.43 / yr | $1M |
| Cold Wave | Medium | 0.63 / yr | $3M |
| Drought | Medium | 85.87 / yr | $481K |
| Hurricane | Low | 0.04 / yr | $326K |
| Ice Storm | Medium | 0.51 / yr | $160K |
| Landslide | Very Low | 0.16 / yr | $1K |
| Earthquake | Very Low | 0.00 / yr | $26K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Comal County?
Comal County has a composite FEMA National Risk Index score of 92.7 out of 100, placing it in the Medium category and the 93th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Comal County?
The three highest-rated hazards are Riverine Flood (High, $118M EAL), Hail (High, $3M EAL), Tornado (High, $11M EAL). These account for most of the county's expected annual losses.
How does Comal County compare to other Texas counties?
Comal County ranks #18 of 254 Texas counties for overall natural disaster risk, with a medium rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Comal County's $144M EAL is a statistical average, not a guarantee for any specific year or address.