States › Texas › Bandera County
Bandera County, Texas
Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.
NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NCEI storm records through 30 Jun 2026; OpenFEMA declarations refreshed 1 Oct 2026; NFIP claims as of 8 Sep 2026.
The NCEI record lists 468 events for Bandera County, Texas, between 1950 and 2026; hail account for the largest share.
That is 59.2 events per 100 square miles, in line with the Texas figure of 63.3, and 217.0 per 10,000 residents against 56.0 statewide.
20 events fall in the 12 months to 30 Jun 2026. NCEI attributes 8 deaths and 28 injuries to events in the county, with property damage estimated at $7.6M and crop damage at $1.1M.
FEMA has designated the county in 18 federal disaster declarations since 1953; the most recent is Severe Storms, Straight-Line Winds, Tornadoes, And Flooding (major disaster, 1 Sep 2026).
National Flood Insurance Program policyholders in the county filed 218 claims since 1978, of which 161 were paid, totalling $5.9M (about $37K per paid claim). FEMA counts 232 residential flood policies in force.
FEMA's National Risk Index rates the county's overall risk as "Relatively Low" and its expected annual loss as "Relatively Low" ($17M a year across 18 hazards).
9 tropical storm or hurricane tracks in the HURDAT2 record passed within 100 miles of the county's centre at tropical-storm strength or more, 1 of them within 50 miles at hurricane strength.
Compared with Texas and the United States
| Measure | Bandera County | Texas | US |
|---|---|---|---|
| Recorded events since 1950 | 468 | 165,476 | 1,977,440 |
| Events per 100 square miles | 59.2 | 63.3 | 56.0 |
| Events per 10,000 residents | 217.0 | 56.0 | 59.6 |
| Events in the last 12 months | 20 | 4,723 | 62,008 |
| Deaths recorded by NCEI | 8 | 2,429 | 26,435 |
| Property damage (NCEI estimates) | $7.6M | $111B | $575B |
| NFIP claims per 1,000 residents | 10.1 | 13.4 | 8.1 |
| Average paid NFIP claim | $37K | $55K | $43K |
| Claims per 100 policies in force, last 10 years | 3.0 | 24.7 | 16.1 |
County-recorded events plus zone-recorded events whose forecast zone is named for the county. State and US rows include events recorded only by forecast zone. Rates use 2021 Census population and land area.
Events by decade
Trend: 283 events in the 20 years to 2025 against 134 in the 20 years before. Reporting practice changed in 1996 and again with automated reports in the 2000s, so decade totals measure the record as much as the weather.
Events by type
Hazard pages exist for hail, tornado, flood, wind and winter where the county has at least 10 recorded events. "Other" covers heavy rain, debris flow, dust, funnel clouds and similar reports.
Largest recorded events
| Date | Event type | Group | Magnitude | Property damage | Crop damage | Deaths | Injuries | Geography |
|---|---|---|---|---|---|---|---|---|
| 21 Jun 1997 | Flash Flood | Flood | — | $5.0M | $1.0M | 2 | 20 | County |
| 3 Apr 1997 | Flash Flood | Flood | — | — | — | 2 | — | County |
| 24 Jul 2007 | Lightning | Lightning | — | — | — | 1 | 2 | County |
| 14 Mar 2004 | Flash Flood | Flood | — | $20K | — | 1 | 1 | County |
| 14 Feb 2021 | Extreme Cold/Wind Chill | Cold | — | — | — | 1 | — | Forecast zone |
| 15 Jun 2026 | Flash Flood | Flood | — | — | — | 1 | — | County |
| 15 Nov 2001 | Flash Flood | Flood | — | $50K | — | — | 5 | County |
| 16 Aug 2007 | Flash Flood | Flood | — | $1.0M | — | — | — | County |
| 5 Apr 1994 | Thunderstorm Wind | Wind | 60 mph | $500K | $50K | — | — | County |
| 21 Jul 2007 | Flash Flood | Flood | — | $100K | — | — | — | County |
Ranked by deaths, then injuries, then NCEI's damage estimate. Deaths and injuries are NCEI counts (direct plus indirect); no personal details are recorded here.
Federal disaster declarations
| Declared | Number | Type | Incident | Title | Programs |
|---|---|---|---|---|---|
| 1 Sep 2026 | DR-4935 | Major disaster | Flood | Severe Storms, Straight-Line Winds, Tornadoes, And Flooding | Public assistance |
| 18 Jul 2026 | EM-3649 | Emergency | Flood | Flooding | Public assistance |
| 19 Feb 2021 | DR-4586 | Major disaster | Severe Ice Storm | Severe Winter Storms | Individual assistance, Public assistance |
| 14 Feb 2021 | EM-3554 | Emergency | Severe Ice Storm | Severe Winter Storm | Public assistance |
| 25 Mar 2020 | DR-4485 | Major disaster | Biological | Covid-19 Pandemic | Individual assistance, Public assistance |
| 13 Mar 2020 | EM-3458 | Emergency | Biological | Covid-19 | Public assistance |
| 11 Jun 2016 | DR-4272 | Major disaster | Flood | Severe Storms And Flooding | Public assistance |
| 14 Mar 2008 | EM-3284 | Emergency | Fire | Wildfires | Public assistance |
| 11 Jan 2006 | DR-1624 | Major disaster | Fire | Extreme Wildfire Threat | Public assistance |
| 24 Sep 2005 | DR-1606 | Major disaster | Hurricane | Hurricane Rita | Public assistance |
| 21 Sep 2005 | EM-3261 | Emergency | Hurricane | Hurricane Rita | Public assistance |
| 2 Sep 2005 | EM-3216 | Emergency | Hurricane | Hurricane Katrina Evacuation | Public assistance |
| 4 Jul 2002 | DR-1425 | Major disaster | Flood | Severe Storms And Flooding | Individual assistance, Public assistance |
| 1 Sep 1999 | EM-3142 | Emergency | Fire | Extreme Fire Hazards | Public assistance |
| 26 Aug 1998 | DR-1239 | Major disaster | Severe Storm | Tropical Storm Charley | — |
| 7 Jul 1997 | DR-1179 | Major disaster | Flood | Severe Storms And Flooding | Individual assistance, Public assistance |
| 10 Sep 1993 | EM-3113 | Emergency | Drought | Extreme Fire Hazard | Public assistance |
| 3 Aug 1978 | DR-561 | Major disaster | Flood | Severe Storms & Flooding | Individual assistance, Public assistance |
Declarations in which FEMA designated this county, from the OpenFEMA Disaster Declarations Summaries (v2). DR: major disaster; EM: emergency; FM: fire management assistance. Programs show whether individual or public assistance was made available.
Flood insurance claims
| Year of loss | Claims | Paid claims | Amount paid | Average paid |
|---|---|---|---|---|
| 2026 | 3 | 1 | $204,384 | $204,384 |
| 2021 | 1 | 0 | $0 | — |
| 2018 | 2 | 1 | $16,947 | $16,947 |
| 2017 | 1 | 1 | $2,462 | $2,462 |
| 2016 | 11 | 7 | $678,493 | $96,928 |
| 2015 | 11 | 10 | $114,190 | $11,419 |
| 2014 | 1 | 0 | $0 | — |
| 2012 | 1 | 0 | $0 | — |
| 2010 | 2 | 0 | $0 | — |
| 2007 | 14 | 9 | $136,747 | $15,194 |
| 2006 | 2 | 0 | $0 | — |
| 2003 | 1 | 1 | $641 | $641 |
| 2002 | 104 | 82 | $3,779,192 | $46,088 |
| 2001 | 1 | 1 | $3,361 | $3,361 |
| 2000 | 1 | 1 | $43,438 | $43,438 |
| 1999 | 1 | 0 | $0 | — |
| 1997 | 25 | 20 | $518,840 | $25,942 |
| 1992 | 3 | 2 | $13,577 | $6,789 |
| 1991 | 1 | 1 | $3,716 | $3,716 |
| 1988 | 1 | 0 | $0 | — |
| 1987 | 13 | 9 | $149,322 | $16,591 |
| 1981 | 6 | 3 | $3,087 | $1,029 |
| 1980 | 1 | 1 | $281 | $281 |
| 1978 | 11 | 11 | $216,379 | $19,671 |
OpenFEMA NFIP claims (v3, as of 8 Sep 2026), aggregated by year of loss; amounts are building, contents and increased-cost-of-compliance payments as recorded. Repetitive-loss counts from the NFIP Multiple Loss Properties file (2 Aug 2026); policies in force from the NFIP Residential Penetration Rates file (3 Aug 2026).
National Risk Index
| Hazard (NRI) | Risk rating | Expected annual loss |
|---|---|---|
| Inland flooding | $12,490,418 | |
| Tornado | $1,396,613 | |
| Hail | $620,588 | |
| Lightning | $597,133 | |
| Wildfire | $553,775 | |
| Strong wind | $506,969 | |
| Drought | $325,725 | |
| Cold wave | $265,217 | |
| Heat wave | $152,864 | |
| Winter weather | $83,096 | |
| Hurricane | $35,124 | |
| Earthquake | $6,124 | |
| Ice storm | $3,502 | |
| Landslide | $2,829 |
FEMA National Risk Index, December 2025 release. Ratings are FEMA's relative comparison of counties; expected annual loss is FEMA's modelled estimate of average yearly building, population and agriculture loss. See how to read the NRI.
Hurricane and tropical storm passes
| Storm | Year | Closest approach | Max wind while within 100 mi |
|---|---|---|---|
| Hermine | 2010 | 46 mi | 46 mph |
| Claudette | 2003 | 87 mi | 46 mph |
| Celia | 1970 | 80 mi | 75 mph |
| Unnamed Atlantic storm | 1942 | 46 mi | 75 mph |
| Unnamed Atlantic storm | 1929 | 41 mi | 63 mph |
| Unnamed Atlantic storm | 1916 | 98 mi | 46 mph |
| Unnamed Atlantic storm | 1913 | 88 mi | 40 mph |
| Unnamed Atlantic storm | 1886 | 22 mi | 98 mph |
| Unnamed Atlantic storm | 1851 | 38 mi | 58 mph |
HURDAT2 best-track positions at tropical-storm strength (34 kt) or more, measured from the county's Census centre point; through the 2025 season. Distance from a track is not the same as the extent of the storm's wind, rain or surge.
ZIP codes with flood claims
ZIP codes whose NFIP claims carry this county's code, with the number of claims. Five or more claims are needed for a ZIP page to be indexed.
Questions and answers
How often does it hail in Bandera County, TX?
NCEI records 140 hail events in Bandera County since 1950, in 47 different years; that is about 1.8 recorded events a year. 66 reports were golf-ball size (1.75 in) or larger.
Has Bandera County had a tornado?
Yes. NCEI records 7 tornadoes in Bandera County since 1950, 0 of them rated (E)F2 or stronger. Tornado deaths recorded: 0.
When was the last federal disaster declaration for Bandera County?
1 Sep 2026: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding, a major disaster declaration for flood. The county appears in 18 declarations since 1953.
How many flood insurance claims have been filed in Bandera County, and how much was paid?
218 NFIP claims since 1978, 161 of them paid, for $5.9M in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.
Is Bandera County in the National Risk Index's high-risk band?
FEMA's National Risk Index (December 2025) rates the county "Relatively Low" for overall risk, "Relatively Low" for expected annual loss, "Very High" for social vulnerability and "Relatively Low" for community resilience. These ratings are FEMA's relative comparison across all US counties.
How does Bandera County compare with the rest of Texas?
59.2 recorded events per 100 square miles against 63.3 statewide, and 10.1 NFIP claims per 1,000 residents against 13.4. The comparison table on this page shows each measure beside the state and national figures.
Provenance
Storm events: NOAA NCEI Storm Events Database, yearly details files through 30 Jun 2026 (public domain). Declarations: OpenFEMA DisasterDeclarationsSummaries v2, refreshed 1 Oct 2026. Flood claims: OpenFEMA NfipClaims v3 as of 8 Sep 2026; NfipMultipleLossProperties v1 (2 Aug 2026); NfipResidentialPenetrationRates v1 (3 Aug 2026). Risk index: FEMA National Risk Index, December 2025. Hurricane tracks: NHC HURDAT2 through 2025. Population and area: US Census Bureau, 2021 vintage. Built 1 Oct 2026; see the methodology and corrections pages. Hazard hubs: Hail · Tornado · Flood · Wind · Winter.