On FEMA’s figures, Shavano Park faces more hazard damage per building than 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Shavano Park gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns, #456 of 642 in Texas. Most of that expected damage is river and rain flooding (80%), then hail (15%). Flood insurance has paid 14 claims here since 1982.
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 Shavano Park 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
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 Shavano Park’s grade
River and rain flooding is 80% of the building damage FEMA expects in Shavano Park, and Shavano Park’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts. Hail adds 15%, at a rate in the top 4% of U.S. census tracts.
C #456 of 642 in Texas; higher expected damage per building than 68% of U.S. towns (21,298).
Shavano Park’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, Shavano Park has more expected damage per building than 71% of Texas towns.
In dollars, FEMA expects about $2.1M a year in losses across Shavano Park: $1.8M to buildings, the rest to people and crops.
Does Shavano Park flood? Sometimes: 14 flood claims since 1982
Every paid claim on a federal flood insurance policy in Shavano Park, from FEMA’s records: 9.8 per 1,000 homes, more than 74% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Erin1 claim · $6K
- The Torrential rain1 claim · $3K
Shavano Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Bexar County.1 federal disaster brought FEMA money to Shavano Park
Disasters that paid out in Shavano Park itself (aid to households or repair grants to the City of Shavano Park), newest first, with that year’s flood claims.
- 1998Tx-flooding 10/18/98$9K to the City of Shavano Park for repairs6 flood claims paid that year
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.
Old photos of Shavano Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Shavano Park archive →Get ready for what Shavano Park 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.
- 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 Shavano Park
Is Shavano Park at risk for natural disasters?
On FEMA’s National Risk Index, Shavano Park has higher expected damage per building than 68% of U.S. towns: C for hazard risk, #456 of 642 in Texas. Most of the expected damage is river and rain flooding (80%) and hail (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Shavano Park flood?
Flood insurance has paid 14 claims in Shavano Park since 1982, $94K in all, or 9.8 per 1,000 homes, more than 74% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Erin (1).
Is Shavano Park 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 Shavano Park?
FEMA’s Community Rating System list shows no discount for Shavano Park’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 Shavano Park?
By FEMA money that reached Shavano Park, Tx-flooding 10/18/98 (1998): $9K to the City of Shavano Park for repairs. By flood claims, Tropical Storm Erin: 1 paid, $6K.
Is Shavano Park at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Shavano Park’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Shavano Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Shavano Park’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.