Photo: Renelibrary · CC BY-SA 4.0On FEMA’s figures, Comfort 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, Comfort gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns. Most of that expected damage is river and rain flooding (74%). FEMA’s files show no paid flood insurance claims here.
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 Comfort 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
Hail
Tornadoes
Wildfire
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 Comfort’s grade
River and rain flooding is 74% of the building damage FEMA expects in Comfort, and Comfort’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Wildfire adds 6%, at a rate in the top 7% of U.S. census tracts.
B− lower expected damage per building than 51% of U.S. towns (21,298).
Comfort’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $2.2M a year in losses across Comfort: $1.2M to buildings, the rest to people and crops.
Does Comfort flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Comfort. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Comfort isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kendall County.3 federal disasters brought FEMA money to Comfort
Disasters that paid out in Comfort itself (aid to households or repair grants to Comfort), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, and Flooding15 households applied for aid$125K aid approved
- 2021Severe Winter Storms47 households applied for aid$20K aid approved
- 2007Tropical Storm Erin15 households applied for aid$23K aid approved
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.
Old photos of Comfort after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Comfort archive →Get ready for what Comfort 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.
- 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.
- 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Comfort
Is Comfort at risk for natural disasters?
On FEMA’s National Risk Index, Comfort has lower expected damage per building than 51% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (74%) and hail (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Comfort 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 Comfort?
FEMA’s Community Rating System list shows no discount for Comfort’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 Comfort?
By FEMA money that reached Comfort, Severe Storms, Straight-line Winds, and Flooding (2025): 15 households applied for aid, $125K approved.
Is Comfort at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Comfort’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Comfort.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Comfort’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.