Photo: Cohee at English Wikipedia · Public domainStorms, floods and disasters in Spring Branch
Spring Branch isn’t graded for hazard risk: Spring Branch has 243 residents; we grade towns of 1,000 or more. Flood insurance has paid 6 claims here since 1997.
What Spring Branch 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
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.
Does Spring Branch flood? Rarely: 6 flood claims since 1997
Every paid claim on a federal flood insurance policy in Spring Branch, from FEMA’s records.
- The Torrential rain3 claims · $29K
- The 2026-07-Texas-Flooding1 claim · $24K
Spring Branch isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Comal County.3 federal disasters brought FEMA money to Spring Branch
Disasters that paid out in Spring Branch itself (aid to households or repair grants to the City of Spring Branch), newest first, with that year’s flood claims.
- 2021Severe Winter Storms259 households applied for aid$73K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding29 households applied for aid$46K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding3 households applied for aid$2K aid approved
Comal County has had 19 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Comal County, 1999–2006.
Old photos of Spring Branch after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spring Branch archive →Spring Branch and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Bulverde | Cmore damage than 66% | river and rain flooding | 21 |
| Canyon Lake | C−more damage than 79% | river and rain flooding | 22 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Spring Branch 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.
- 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 Spring Branch
Does Spring Branch flood?
Flood insurance has paid 6 claims in Spring Branch since 1997, $72K in all. 3 properties have flooded more than once. The most claims came from Torrential rain (3).
Is Spring Branch 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 Comal County, 46% of homes in mapped flood zones carry federal flood insurance, and 2.4% of all homes do.
How much is flood insurance in Spring Branch?
FEMA’s Community Rating System list shows no discount for Spring Branch’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 Spring Branch?
By FEMA money that reached Spring Branch, Severe Winter Storms (2021): 259 households applied for aid, $73K approved. By flood claims, Torrential rain: 3 paid, $29K.
Storm stories
Memories, warnings and help from neighbors in Spring Branch.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring Branch’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.