Natural Disasters in Horseshoe Bay, TX

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

70.4

Relatively Low

Expected Annual Loss

57.8

Score (0-100)

Social Vulnerability

91.0

Score (0-100)

Community Resilience

22.8

Score (0-100)

Top Hazard Risks

Hail80.6Wildfire80.2Winter Weather73.2

Hazard	Risk Score
Hail	80.6
Wildfire	80.2
Winter Weather	73.2
Lightning	70.8
Drought	67.9
Tornado	67.6
Heat Wave	59.4
Cold Wave	54.9
Hurricane	54.0
Strong Wind	46.0
Landslide	36.3
Ice Storm	15.6
Earthquake	9.7

Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.

Disaster Declarations

Source: FEMA OpenFEMA

Total Declarations

Most Recent

Flood

Jul 2025

Most Common Type

Fire

6 declarations

Date	Type	Declaration
Jul 6, 2025	Flood	SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING
Apr 21, 2023	Winter Storm	SEVERE WINTER STORM
Feb 19, 2021	Severe Ice Storm	SEVERE WINTER STORMS
Feb 14, 2021	Severe Ice Storm	SEVERE WINTER STORM
Mar 25, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Feb 25, 2019	Flood	SEVERE STORMS AND FLOODING
Jul 29, 2018	Fire	PARK ROAD FIRE
Jul 1, 2011	Fire	WILDFIRES
Mar 14, 2008	Fire	WILDFIRES
Jun 29, 2007	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Jan 11, 2006	Fire	EXTREME WILDFIRE THREAT
Sep 24, 2005	Hurricane	HURRICANE RITA
Sep 21, 2005	Hurricane	HURRICANE RITA
Sep 2, 2005	Hurricane	HURRICANE KATRINA EVACUATION
Jul 4, 2002	Flood	SEVERE STORMS AND FLOODING
Sep 16, 1999	Fire	BEAVER CREEK FIRE
Sep 1, 1999	Fire	EXTREME FIRE HAZARDS
Aug 26, 1998	Severe Storm	TROPICAL STORM CHARLEY
Jul 7, 1997	Flood	SEVERE STORMS AND FLOODING

Showing 20 of 24 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

268

Total IA Distributed

$317,749

Repair/Replace

$231,205

Rental Assistance

$35,056

Disaster	Registrations	Total IA $	Avg Damage
DR-1709	116	$177,342	$1,762
DR-4586	133	$71,597	$1,344
DR-4485	10	$34,065	—
DR-4879	7	$26,462	$2,345
DR-4223	2	$8,285	$7,187

Individual and household assistance for homeowners and renters affected by federally declared disasters.

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

626

Total Claims Paid

$24,697,131

Avg Claim Payout

$39,452

County-level NFIP data from FEMA National Flood Insurance Program.

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$3,882,966

Disasters with PA

Total Projects

166

Disaster	Type	Projects	Federal $
DR-1709	Severe Storm(s)	128	$2,557,333
DR-4416	Severe Storm(s)	22	$742,744
DR-4879	Flood	10	$465,584
DR-4586	Winter Storm	6	$117,305

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Avg Benefit-Cost Ratio

0.00

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
600.1: Warning Systems (as a Component of a Planned, Adopted, and Exercised Risk Reduction Plan)	1	$0

Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.

Horseshoe Bay has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are hail, wildfire, winter weather. The area has had 24 federal disaster declarations. The most common disaster type is fire (6 declarations). 626 flood insurance claims have been filed in the area. FEMA has obligated $3,882,966 in public assistance recovery funding. $317,749 has been distributed in individual assistance to disaster-affected residents. 1 hazard mitigation projects have been funded to reduce future risk.