Bandera County Disaster Risk
Bandera County, Texas
FEMA Risk Rating
Relatively Low
National Percentile
67th
of 3,144 counties
State Rank
#88
of 254 (1 = highest risk)
Flood Risk
79th
percentile
Hazard Risk Breakdown
Flood
River, coastal, and surface flooding risk
Relatively Low
Higher than 79% of US counties
Wildfire
Wildland and wildland-urban interface fire risk
Moderate
Higher than 87% of US counties
Tornado
Tornado and severe thunderstorm risk
Relatively Low
Higher than 65% of US counties
Earthquake
Seismic activity and ground shaking risk
Very Low
Higher than 9% of US counties
Hurricane
Tropical cyclone and hurricane risk
Relatively Low
Higher than 47% of US counties
Risk Overview
About Natural Disaster Risk in Bandera County, Texas
Bandera County Exceeds National Risk Average
Bandera County scores 66.70 on the composite risk index, ranking as Relatively Low but still above the national average. This Hill Country location faces above-average natural hazard exposure compared to most U.S. counties.
Above-Average Risk for Texas
Bandera County's score of 66.70 exceeds Texas's state average of 49.00, placing it in the higher-risk tier statewide. Its Hill Country position creates exposure to multiple hazard types uncommon in West Texas.
Similar Risk to Blanco, Higher Than Burnet
Bandera County's 66.70 score places it between lower-risk Blanco County (33.02) and higher-risk Bastrop County (81.17). Its exposure to flooding and wildfire mirrors other Edwards Plateau counties.
Floods and Wildfires Lead Threats
Flood risk (79.26) and wildfire risk (86.67) dominate Bandera County's hazard profile, reflecting Hill Country creek systems and dry vegetation. Tornado risk (65.01) adds a significant secondary threat across the region.
Add Flood Coverage to Your Policy
Standard homeowners insurance excludes flood damage—critical in Bandera County where flood risk scores 79.26. Secure both a separate flood policy and wildfire coverage to fully protect against your county's top two hazards.
Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor
Preparedness Guide
What to Prepare for in Bandera County
Top Hazards by Exposure
Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)
Risk Advisory: Bandera County
Risk Verdict
Bandera County sits below the national average for natural disaster exposure, ranking at the 67th percentile across all U.S. counties. Understanding the specific hazards behind Bandera County's ranking helps residents prioritize where to direct emergency planning efforts.
Hazard Breakdown
Wildfire risk is Bandera County's dominant natural hazard, ranked at the 87th percentile nationally under FEMA's National Risk Index. Flood ranks second at the 79th percentile nationally. Additional tracked hazards include tornado (65th percentile), hurricane (47th percentile), earthquake (9th percentile).
Preparedness Context
At the 87th percentile nationally for wildfire, Bandera County residents should verify whether their insurance policy includes replacement cost coverage for structures and whether the insurer still writes new policies in this fire-risk zone. The county's flood exposure at the 79th percentile nationally complements the wildfire risk — saturating rain after burn scarring often triggers secondary flood and debris flow events. Local USFS or Cal Fire (where applicable) fire risk maps and seasonal Red Flag Warning alerts from the National Weather Service are two free resources Bandera County residents can use to stay ahead of rapidly changing wildfire conditions.
Regional Context
A composite score 17.7 points above the Texas state average puts Bandera County in a higher-risk category than most counties in the state.
Is your household prepared for Bandera County's hazards?
Review FEMA's county-specific preparedness checklists and emergency planning guides.
Frequently Asked Questions
What is the natural disaster risk in Bandera County, TX?
What types of natural hazards affect Bandera County?
How does Bandera County risk compare to the Texas average?
Is Bandera County at risk for wildfire?
How is natural disaster risk measured?
Why is Bandera County higher risk than average?
Data Source
Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.
Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.