Kerr County Disaster Risk
Kerr County, Texas
FEMA Risk Rating
Relatively Low
National Percentile
77th
of 3,144 counties
State Rank
#62
of 254 (1 = highest risk)
Flood Risk
85th
percentile
Hazard Risk Breakdown
Flood
River, coastal, and surface flooding risk
Moderate
Higher than 85% of US counties
Wildfire
Wildland and wildland-urban interface fire risk
Moderate
Higher than 84% of US counties
Tornado
Tornado and severe thunderstorm risk
Relatively Low
Higher than 79% of US counties
Earthquake
Seismic activity and ground shaking risk
Very Low
Higher than 16% of US counties
Hurricane
Tropical cyclone and hurricane risk
Relatively Low
Higher than 62% of US counties
Risk Overview
About Natural Disaster Risk in Kerr County, Texas
Kerr faces significantly elevated disaster risk
Kerr County's composite score of 77.16 ranks above the national average, carrying a "Relatively Low" rating that underestimates its concentrated vulnerabilities. Multiple hazard types—flood, wildfire, and tornado—all score in the upper ranges.
Kerr ranks among Texas's riskier counties
At 77.16 versus Texas's state average of 49.00, Kerr ranks in the upper tier of statewide risk exposure. The Hill Country terrain and seasonal storm patterns create compounding hazards across multiple categories.
Kerr is riskier than most surrounding counties
Kerr's score of 77.16 exceeds Kendall County (65.49), Kimble County (32.16), and Kinney County (2.19) significantly. Only Kaufman County (76.18) approaches Kerr's risk level, marking both as regional hotspots.
Floods, wildfires, and tornadoes converge
Kerr faces flood risk of 85.24, wildfire risk of 84.45, and tornado risk of 78.88—a triple threat among the highest in Texas. Hill Country geography amplifies flood danger during heavy rainfall, while dry seasons fuel wildfire conditions.
Comprehensive coverage across all major threats
Your homeowner's policy must include flood, wildfire, and hail coverage—standard homeowner's insurance excludes floods, so purchase a separate policy. Install gutters and drainage systems, clear defensible space around structures, and maintain roof integrity for maximum protection.
Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor
Preparedness Guide
What to Prepare for in Kerr County
Top Hazards by Exposure
Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)
Risk Advisory: Kerr County
Risk Verdict
Kerr County has a below-average natural disaster risk profile, scoring at the 77th percentile nationally under FEMA's National Risk Index. This risk level calls for more than general awareness: insurance coverage review, a family communication plan, and a prepared go-bag are practical priorities.
Hazard Breakdown
Flood risk is Kerr County's dominant natural hazard, ranked at the 85th percentile nationally under FEMA's National Risk Index. Wildfire ranks second at the 84th percentile nationally. Additional tracked hazards include tornado (79th percentile), hurricane (62th percentile), earthquake (16th percentile).
Preparedness Context
Kerr County's top natural hazard is flood risk, ranked at the 85th percentile nationally. Homeowners here should confirm whether they are in a FEMA-designated flood zone and check if standard homeowners insurance covers flood damage — it typically does not. The county's second-ranked hazard, wildfire at the 84th percentile nationally, means Kerr County residents face compounding risks from multiple natural hazard types during peak seasons. For most Kerr County households, the highest-return preparedness step is storing critical documents in digital cloud backup combined with a pre-designated family meeting point if communication is disrupted.
Regional Context
Kerr County's composite risk score sits 28.2 points above the Texas county average, placing it among the more hazard-exposed counties in the state.
Is your household prepared for Kerr County's hazards?
Review FEMA's county-specific preparedness checklists and emergency planning guides.
Frequently Asked Questions
What is the natural disaster risk in Kerr County, TX?
What types of natural hazards affect Kerr County?
How does Kerr County risk compare to the Texas average?
Is Kerr County at risk for flooding?
How is natural disaster risk measured?
Why is Kerr 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.