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Huebner-Onion Homestead and Stagecoach StopHuebner-Onion Homestead and Stagecoach Stop · Photo: 25or6to4 · CC BY-SA 3.0
C−Hazard risk
Natural hazards in Leon Valley · FEMA

More hazard damage per building is expected in Leon Valley than in 83% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Leon Valley gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns, #580 of 642 in Texas. Most of that expected damage is river and rain flooding (83%), then hail (12%). Flood insurance has paid 54 claims here since 1978.

River and rain flooding 83%Hail 12%Tornadoes 4%

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 83%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#580 of 642 in Texas
Hazard risk
C−#580 of 642
in Texas · higher than 83% of U.S. towns
Main hazard
River and rain flooding
83% of expected building damage
Flood claims
54
paid since 1978 · $962K
Flooded more than once
7
properties · 1 “severe repetitive loss”
Flood insurance
20% off
Community discount (class 6)

What stands out about Leon Valley’s natural hazards

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

20% off flood insuranceFlood-proofing work earns Leon Valley residents a discount through FEMA’s Community Rating System (class 6).Remembers 199819 flood claims were paid for 1998 alone, the most of any year.
By hazard

What Leon Valley 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

83%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about 7 times a year in the area

Hail

12%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Tornadoes Hurricanes Strong wind Earthquakes Wildfire Winter storms Ice storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts tornadoes at 13% of Leon Valley’s expected losses. Tornadoes do little damage to buildings (3.9%), so they aren’t part of the grade.

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 Leon Valley’s grade

River and rain flooding is 83% of the building damage FEMA expects in Leon Valley, and Leon Valley’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts. Hail adds 12%, at a rate in the top 4% of U.S. census tracts.

Where Leon Valley sits
Leon Valley
Least damageMiddleMost damage

C− #580 of 642 in Texas; higher expected damage per building than 83% of U.S. towns (21,298).

Leon Valley’s residents live in 7 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding83%Hail12%Tornadoes4%Everything else1%

The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Leon Valley has more expected damage per building than 90% of Texas towns.

In dollars, FEMA expects about $5.0M a year in losses across Leon Valley: $3.0M to buildings, the rest to people and crops.

A firm figure. It combines 7 census tracts by where Leon Valley’s 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 Leon Valley flood? Sometimes: 54 flood claims since 1978

Every paid claim on a federal flood insurance policy in Leon Valley, from FEMA’s records: 10.6 per 1,000 homes, more than 75% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1978: 1 claim1979: 0 claims1980: 0 claims1981: 1 claim1982: 2 claims1983: 0 claims1984: 1 claim1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 1 claim1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 19 claims1999: 0 claims2000: 0 claims2001: 7 claims2002: 1 claim2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 3 claims2008: 0 claims2009: 0 claims2010: 1 claim2011: 0 claims2012: 0 claims2013: 6 claims2014: 1 claim2015: 4 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 6 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199820012013
19782026
Biggest named events
  • Tropical Storm Erin1 claim · $1K
  • The Torrential rain1 claim · $3K
54
paid claims since 1978
$962K
paid to owners
7
homes flooded more than once
$18K
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

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

Insurance rates: Bexar County.
Disasters

2 federal disasters brought FEMA money to Leon Valley

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

  1. 2021Severe Winter Storms10 households applied for aid$5K aid approved$18K to the City of Leon Valley for repairs6 flood claims paid that year
  2. 1998Tx-flooding 10/18/98$21K to the City of Leon Valley for repairs19 flood claims paid that year
Disasters declared, by decade
Paid out in Leon ValleyBexar County only

Bexar County has had 22 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Bexar County, 2006–2025.

Were you here?

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

Add to the Leon Valley archive →
Be ready

Get ready for what Leon Valley 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 ↗
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.
  • Leon Valley 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 Leon Valley

Is Leon Valley at risk for natural disasters?

On FEMA’s National Risk Index, Leon Valley has higher expected damage per building than 83% of U.S. towns: C− for hazard risk, #580 of 642 in Texas. Most of the expected damage is river and rain flooding (83%) and hail (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Leon Valley flood?

Flood insurance has paid 54 claims in Leon Valley since 1978, $962K in all, or 10.6 per 1,000 homes, more than 75% of U.S. towns with a flood insurance record. 7 properties have flooded more than once. The most claims came from Tropical Storm Erin (1).

Is Leon Valley 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 Bexar County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.

How much is flood insurance in Leon Valley?

Leon Valley 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 Leon Valley?

By FEMA money that reached Leon Valley, Severe Winter Storms (2021): 10 households applied for aid, $5K approved, and $18K to the City of Leon Valley for repairs. By flood claims, Tropical Storm Erin: 1 paid, $1K.

Is Leon Valley at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (83%), and Leon Valley’s rate for it is higher than 89% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Leon Valley.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Leon Valley’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.