Photo: Renelibrary · CC BY-SA 4.0On FEMA’s figures, Comanche faces less hazard damage per building than 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Comanche gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns, #102 of 642 in Texas. Most of that expected damage is river and rain flooding (69%), then tornadoes (14%). Flood insurance has paid 7 claims here since 1988.
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
What stands out about Comanche’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Comanche 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
Tornadoes
Hail
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.
What’s behind Comanche’s grade
River and rain flooding is 69% of the building damage FEMA expects in Comanche, and Comanche’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Next is tornadoes at 14% (higher than 78% of U.S. census tracts).
A− #102 of 642 in Texas; lower expected damage per building than 80% of U.S. towns (21,298).
Comanche’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Comanche has less expected damage per building than 84% of Texas towns.
In dollars, FEMA expects about $2.2M a year in losses across Comanche: $1.1M to buildings, the rest to people and crops.
Does Comanche flood? Rarely: 7 flood claims since 1988
Every paid claim on a federal flood insurance policy in Comanche, from FEMA’s records: 3.9 per 1,000 homes, more than 54% of the 13,809 U.S. towns with a flood insurance record.
- The Early summer storms1 claim · $2K
Comanche isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Comanche County.2 federal disasters brought FEMA money to Comanche
Disasters that paid out in Comanche itself (aid to households or repair grants to the City of Comanche), newest first, with that year’s flood claims.
- 2021Severe Winter Storms148 households applied for aid$91K aid approved
- 2007Severe Storms, Tornadoes, and Flooding26 households applied for aid$78K aid approved$8K to the City of Comanche for repairs
Comanche County has had 14 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.
Old photos of Comanche after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Comanche archive →Get ready for what Comanche faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Comanche
Is Comanche at risk for natural disasters?
On FEMA’s National Risk Index, Comanche has lower expected damage per building than 80% of U.S. towns: A− for hazard risk, #102 of 642 in Texas. Most of the expected damage is river and rain flooding (69%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Comanche flood?
Flood insurance has paid 7 claims in Comanche since 1988, $15K in all, or 3.9 per 1,000 homes, more than 54% of U.S. towns with a flood insurance record. The most claims came from Early summer storms (1).
Is Comanche 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 Comanche County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Comanche?
FEMA’s Community Rating System list shows no discount for Comanche’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Comanche?
By FEMA money that reached Comanche, Severe Winter Storms (2021): 148 households applied for aid, $91K approved. By flood claims, Early summer storms: 1 paid, $2K.
Is Comanche at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Comanche’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Comanche.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Comanche’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.