Specht’s Store and Schmidt’s Gin · Photo: Larry D. Moore · CC BY 4.0Timberwood Park’s building-damage rate from hail is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Timberwood Park gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns, #425 of 642 in Texas. Most of that expected damage is river and rain flooding (70%), then hail (22%). Flood insurance has paid 10 claims here since 2004.
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 Timberwood 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
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.
What’s behind Timberwood Park’s grade
River and rain flooding is 70% of the building damage FEMA expects in Timberwood Park, and Timberwood Park’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Hail adds 22%, at a rate in the top 2% of U.S. census tracts.
C+ #425 of 642 in Texas; higher expected damage per building than 63% of U.S. towns (21,298).
Timberwood Park’s residents live in 7 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, Timberwood Park has more expected damage per building than 66% of Texas towns.
In dollars, FEMA expects about $11.9M a year in losses across Timberwood Park: $8.3M to buildings, the rest to people and crops.
Does Timberwood Park flood? Sometimes: 10 flood claims since 2004
Every paid claim on a federal flood insurance policy in Timberwood Park, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
- The Fall severe storms2 claims · $48K
Timberwood 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.The storms Timberwood Park remembers
None of the 22 disasters declared for Bexar County shows FEMA aid or repair money reaching Timberwood Park itself in FEMA’s records, so these are its biggest flood-claim years.
- 20153 flood claims paidNo declaration for the county that year
- 20253 flood claims paidNo declaration for the county that year
- 20042 flood claims paidNo declaration for the county 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 Timberwood Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Timberwood Park archive →Timberwood Park and its neighbors
Timberwood Park has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Timberwood Park | C+more damage than 63% | river and rain flooding | 10 |
| San Antonio | C+more damage than 64% | river and rain flooding | 1,003 |
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 Timberwood 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.
- 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 Timberwood Park
Is Timberwood Park at risk for natural disasters?
On FEMA’s National Risk Index, Timberwood Park has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk, #425 of 642 in Texas. Most of the expected damage is river and rain flooding (70%) and hail (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Timberwood Park flood?
Flood insurance has paid 10 claims in Timberwood Park since 2004, $241K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record. The most claims came from Fall severe storms (2).
Is Timberwood 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 Timberwood Park?
FEMA’s Community Rating System list shows no discount for Timberwood 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 Timberwood Park?
By flood claims, Fall severe storms: 2 paid, $48K.
Is Timberwood Park at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Timberwood Park’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Timberwood Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Timberwood 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.