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Boerne Main StreetPhoto: Unknown authorUnknown author · Public domain
B−Hazard risk
Natural hazards in Boerne · FEMA

On FEMA’s figures, Boerne faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Boerne gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns, #342 of 642 in Texas. Most of that expected damage is river and rain flooding (79%). Flood insurance has paid 39 claims here since 1978.

River and rain flooding 79%Hail 8%Tornadoes 7%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 52%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#342 of 642 in Texas
Hazard risk
B−#342 of 642
in Texas · higher than 52% of U.S. towns
Main hazard
River and rain flooding
79% of expected building damage
Flood claims
39
paid since 1978 · $647K
Flooded more than once
3
properties · 1 “severe repetitive loss”
Flood insurance
20% off
Community discount (class 6)

What stands out about Boerne’s natural hazards

From FEMA’s model and FEMA’s records, below.

20% off flood insuranceFlood-proofing work earns Boerne residents a discount through FEMA’s Community Rating System (class 6).Made safer with FEMA grants1 storm safe room built with FEMA grants.Remembers 20158 flood claims were paid for 2015 alone, the most of any year.
By hazard

What Boerne faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

79%of expected building damage
Above average · higher than 66% of U.S. census tracts
Recorded about 3 times a year in the area

Hail

8%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about 4 times a year in the area

Tornadoes

7%of expected building damage
Above average · higher than 67% of U.S. census tracts
Smaller shares here
 Strong wind Wildfire Winter storms Hurricanes Earthquakes Cold waves Lightning Ice storms Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Boerne’s grade

River and rain flooding is 79% of the building damage FEMA expects in Boerne, and Boerne’s rate of river and rain flooding damage is higher than 66% of U.S. census tracts. Next is hail at 8% (higher than 89% of U.S. census tracts).

Where Boerne sits
Boerne
Least damageMiddleMost damage

B− #342 of 642 in Texas; higher expected damage per building than 52% of U.S. towns (21,298).

Boerne’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding79%Hail8%Tornadoes7%Everything else7%

The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Boerne has more expected damage per building than 53% of Texas towns.

In dollars, FEMA expects about $9.0M a year in losses across Boerne: $5.2M to buildings, the rest to people and crops.

A small-area figure. Boerne covers 6 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Boerne flood? Sometimes: 39 flood claims since 1978

Every paid claim on a federal flood insurance policy in Boerne, from FEMA’s records: 4.7 per 1,000 homes, more than 59% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1978: 1 claim1979: 0 claims1980: 0 claims1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 6 claims1998: 2 claims1999: 0 claims2000: 5 claims2001: 5 claims2002: 3 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 1 claim2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 8 claims2016: 0 claims2017: 0 claims2018: 1 claim2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 7 claims199720152026
19782026
Biggest named events
  • The Early summer storms8 claims · $151K
  • The 2026-07-Texas-Flooding7 claims · $271K
  • The Torrential rain3 claims · $20K
39
paid claims since 1978
$647K
paid to owners
3
homes flooded more than once
$17K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
Community discount20% off flood insurance

Boerne is in FEMA’s Community Rating System (class 6) for its flood-proofing work.

Insurance rates: Kendall County.
What’s been done with FEMA grants
1storm safe room built
Disasters

6 federal disasters brought FEMA money to Boerne

Disasters that paid out in Boerne itself (aid to households or repair grants to the City of Boerne), newest first, with that year’s flood claims.

  1. 2025Severe Storms, Straight-line Winds, and Flooding$77K to the City of Boerne for repairs
  2. 2023Severe Winter Storm$68K to the City of Boerne for repairs
  3. 2021Severe Winter Storms302 households applied for aid$89K aid approved
  4. 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding$39K to the City of Boerne for repairs8 flood claims paid that year
  5. 2007Tropical Storm Erin5 households applied for aid$21K aid approved1 flood claim paid that year
  6. 2002Severe Storms and Flooding$42K to the City of Boerne for repairs3 flood claims paid that year
Disasters declared, by decade
Paid out in BoerneKendall County only

Kendall County has had 18 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Kendall County, 2000–2000.

Were you here?

Old photos of Boerne after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Boerne archive →
Be ready

Get ready for what Boerne faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
  • Boerne residents get 20% off flood insurance.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Boerne

Is Boerne at risk for natural disasters?

On FEMA’s National Risk Index, Boerne has higher expected damage per building than 52% of U.S. towns: B− for hazard risk, #342 of 642 in Texas. Most of the expected damage is river and rain flooding (79%) and hail (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Boerne flood?

Flood insurance has paid 39 claims in Boerne since 1978, $647K in all, or 4.7 per 1,000 homes, more than 59% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from Early summer storms (8).

Is Boerne in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Kendall County, 31% of homes in mapped flood zones carry federal flood insurance, and 2.6% of all homes do.

How much is flood insurance in Boerne?

Boerne is in FEMA’s Community Rating System (class 6), which takes 20% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Boerne?

By FEMA money that reached Boerne, Severe Winter Storms (2021): 302 households applied for aid, $89K approved. By flood claims, Early summer storms: 8 paid, $151K.

Is Boerne at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (79%), and Boerne’s rate for it is higher than 66% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Boerne.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Boerne’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.