Hazard Plain Automated baseline

Kendall County, TX

Risk-assessment baseline packet

County FIPS:
48259
Release:
2026-10
Data as of:
2026-09-30
Storm Events data through:
2026-06-30

Hazard Plain is an independent product built from public federal data. It is not a FEMA document and is not reviewed or endorsed by FEMA or any state agency.

Hazard Plain release 2026-10, as of 2026-09-30.

Summary

Plan status as of 2026-09-30: Approved, expires 2028-03-08. Plan: Kendall County (FEMA plan 108740), approved 2023-03-09.

Since the plan was approved on 2023-03-09: 4 new hazard declarations (3 incidents) and 68 NOAA Storm Events records; details under "What changed since your last plan".

Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Inland Flooding ($16,997,182 a year), Tornado ($3,044,148) and Hail ($1,500,093).

The tables that follow are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); each heading says which item its tables support.

Plan clock

Status:
Approved, expires 2028-03-08
Plan:
Kendall County (FEMA plan 108740)
Approved:
2023-03-09
Days to expiry:
525

What changed since your last plan (approved 2023-03-09)

New federal declarations:
4 new hazard declarations (3 incidents): DR-4705-TX (Severe Winter Storm), DR-4879-TX (Severe Storms, Straight-Line Winds, and Flooding), EM-3649-TX (Flooding), DR-4935-TX (Severe Storms, Straight-Line Winds, Tornadoes, and Flooding)
Storm Events records since approval:
68 records (data through 2026-06-30)
Repetitive loss now:
FMA RL 5, SRL 3 (44 CFR 77.2); any definition: 18
Repeat-flood change:
this release sets the baseline count.

Sources: 1, 2, 4, 6 (numbered list at the end)

Plan status for every jurisdiction listed in this county

Source: 1

JurisdictionTypeStatusPlanApprovedExpiresDays to expirynegative = days since expiryUpdate underwayNotes
Kendall CountyCountyApproved, expires 2028-03-08Kendall County (FEMA plan 108740)2023-03-092028-03-08525
Boerne cityCityApproved, expires 2028-03-08Kendall County (FEMA plan 108740)2023-03-092028-03-08525
Fair Oaks Ranch cityCityPlan 108952 approved 2024-03-28, pending adoption here; not yet eligibleBexar County (FEMA plan 108952), pending adoption here2024-03-28 by FEMA; not yet adopted here2029-03-27 once adoptedFEMA tracker shows a plan approvable pending adoptionNot yet eligible: adopt the approved plan.
Blanco Independent School DistrictSchool/School DistrictApproved, expires 2030-01-15Blanco County (FEMA plan 109553)2025-01-162030-01-151,203this jurisdiction approved 2025-04-09

State plan status and tribal plans in this state: see the state page.

Supports FEMA checklist item B1-a: hazard identification

Hazards NRI does not cover (local data needed)

  • dam failure (incl. upstream dams)
  • levee failure
  • flash flood as its own subtype
  • ice jams
  • debris flows
  • erosion (riverine and coastal)
  • land subsidence and sinkholes
  • expansive soils

The 18 National Risk Index hazards, ranked by expected annual loss (EAL)

Sources: 5, 6

Rank by EALHazardNRI risk ratingEAL ratingEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL total (see note)modeled dollars per yearStorm Events records, 1996 to 2026-06-30countStorm Events coverage note
1Inland FloodingRelatively ModerateRelatively Moderate$12,424,727$225,898$4,346,557$16,997,18288
2TornadoRelatively ModerateRelatively Moderate$1,052,934$607$1,990,607$3,044,1488
3HailRelatively ModerateRelatively Moderate$1,191,291$159,215$149,586$1,500,09395
4Cold WaveRelatively LowRelatively Moderate$8,227$7,874$1,023,864$1,039,9645
5Strong WindRelatively ModerateRelatively Moderate$530,776$1,541$328,546$860,86329
6WildfireRelatively LowRelatively Low$697,842$149$54,962$752,9531
7LightningRelatively ModerateRelatively Moderate$18,436n/a$665,254$683,6910No recorded events in Storm Events since 1996 (data through 2026-06-30).
8DroughtRelatively ModerateRelatively Moderaten/a$641,833n/a$641,833119
9Heat WaveRelatively LowRelatively Low$35$17$324,491$324,5433
10Winter WeatherRelatively ModerateRelatively Moderate$58,821$247$125,291$184,35931
11HurricaneVery LowVery Low$53,698$7,374$2,095$63,1670Declared 1 time; no Storm Events record of this type.
12Ice StormVery LowVery Low$2,138n/a$7,456$9,5940Declared 1 time; no Storm Events record of this type.
13EarthquakeVery LowVery Low$7,157n/a$2,187$9,344Storm Events does not record earthquakes.
14LandslideVery LowVery Low$1,317n/a$336$1,6530No recorded events in Storm Events since 1996 (data through 2026-06-30).

Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).

NRI risk rating combines expected annual loss with social vulnerability and community resilience; EAL rating rates expected annual loss alone. Both compare this county with all U.S. counties.

Local data needed: state and local lightning and landslide records (Storm Events records these hazards only in part).

Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche, coastal flooding, tsunami and volcanic activity. That is the evidence for leaving them out of the plan.

The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.

Supports FEMA checklist item B1-b: hazard location

Affects the whole county (national data give no location within it): Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather.

Inland Flooding: The FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.

Hazards that vary within the county: highest-rated census tracts

Source: 5

HazardHighest-rated census tractsNRI risk rating, score 0 to 100
Earthquaketract 9705 (Very Low, 9.8); tract 9704.06 (Very Low, 8.8); tract 9701.02 (Very Low, 7.7)
Hurricanetract 9701.02 (Relatively Low, 53.2); tract 9705 (Relatively Low, 51.5); tract 9703.01 (Very Low, 50.5)
Landslidetract 9703.02 (Relatively Low, 91.3); tract 9701.02 (Relatively Low, 91.3); tract 9703.01 (Very Low, 74.0)
Tornadotract 9705 (Very High, 96.3); tract 9704.06 (Very High, 93.9); tract 9703.01 (Very High, 93.5)
Wildfiretract 9701.02 (Relatively Moderate, 96.0); tract 9704.03 (Relatively Moderate, 95.4); tract 9703.01 (Relatively Moderate, 95.1)

Up to 3 census tracts per hazard, highest National Risk Index rating first, then highest score; a tract number is the Census tract number (for example 9705 is Census Tract 9705). FEMA's Resilience Analysis and Planning Tool maps the National Risk Index for every tract: https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool

Supports FEMA checklist item B1-c: hazard extent

Extent: scale, observed range and worst recorded event per hazard

Sources: 6, 7

HazardScaleRecordscount and yearsObserved rangeWorst recorded eventMost damaging (when different)How it applies to jurisdictionsNote
Cold/Wind Chill, Extreme Cold/Wind Chillwind chill5 records, 2021 to 2024 (5 zone-level)2 days to 4 days (median 2 days); 3 with a recorded value4 consecutive days, 2024-01-14 to 2024-01-17, zone-levelCountywide (zone-level records).
Frost/Freeze (outside NRI's Cold Wave definition)crop damage0
DroughtU.S. Drought Monitor scale (D0 to D4)119 records, 1996 to 2026 (119 zone-level)31 days to 984 days (median 92 days); 17 with a recorded value984 days (about 32.3 months), 2022-01-01 to 2024-09-10, a run of 33 consecutive Storm Events drought records, zone-levelCountywide (zone-level records).Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only.
EarthquakeModified Mercalli (local data)0Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hailhail size (inches)128 records, 1970 to 20260.75 in to 4.25 in (median 1 in); 128 with a recorded value4.25 in hail, 2006-05-04Hail, 2006-04-18, $50,000 property; crops not reported (2006 dollars)Event records naming jurisdictions in the plan: Boerne city (36 records).
Excessive Heat, Heatheat index (in event narratives)3 records, 2018 to 2023 (3 zone-level)1 day to 22 days (median 7 days); 3 with a recorded valueAugust 2023 (1 monthly summary record), zone-levelCountywide (zone-level records).
Hurricane, Tropical Storm, Tropical DepressionSaffir-Simpson0Storm Events files every zone of a storm's episode under the storm's type; flooding from the storm is filed as Flood or Flash Flood records.
Ice StormSperry-Piltz ice scale (local data)0
Flash Flood, Flood, Lakeshore Flooddamage and flood days (flood depth: FIRM)88 records, 1996 to 2026 (2 zone-level)Flash Flood, 1997-06-22, $5,000,000 property; $1,000,000 crops (1997 dollars), 5 direct injuriesEvent records naming jurisdictions in the plan: Boerne city (14 records). Zone-level records (2) apply countywide.Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage is often $0 or blank for floods, major ones included; FEMA Public Assistance by declaration (B1-d) shows which floods cost the most.
Debris Flownone (count and damage only)0
Lightningannualized frequency (the measure FEMA's Local Mitigation Planning Handbook names)0Storm Events lists lightning with damage or casualties.
High Wind and Strong Wind (outside NRI's Strong Wind definition)wind speed (kt and mph)0
Thunderstorm Windwind speed (kt and mph)39 records, 1980 to 202539 kt (45 mph) to 78 kt (90 mph) (median 55 kt (63 mph)); 23 with a recorded value78 kt (90 mph) estimated gust, Thunderstorm Wind, 2017-04-02Thunderstorm Wind, 2023-07-23, $1,000,000 property; $0 crops (2023 dollars)Event records naming jurisdictions in the plan: Boerne city (14 records).
TornadoEnhanced Fujita (Fujita before Feb 2007)21 records, 1950 to 2025F/EF0 to F/EF3 (median F/EF0); 21 with a recorded valueF3 tornado, 1969-05-06, 2.3 mi path length (whole path, pre-1996), 100 yd wide, $25,000 property; crops not recorded (1969 dollars)Tornado, 1976-03-30, $2,500,000 property; crops not recorded (1976 dollars)Event records naming jurisdictions in the plan: Boerne city (3 records).Before 1996 a tornado is listed once, under the county where it began, with its whole path's rating and length; from 1996 on, each county lists its own segment. Length is not used to rank tornadoes (see Methods).
Wildfireacres burned (local data)1 record, 2011 (1 zone-level)Wildfire, 2011-06-19, $500,000 property; $0 crops (2011 dollars); NWS zone TXZ189Countywide (zone-level records).
Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleetnone in data (snowfall: local data)31 records, 1996 to 2026 (31 zone-level)No damage reported in 31 records.Countywide (zone-level records).

In event narratives only (local data needed): wind chill, temperature, heat index, ice thickness, acres burned and snow depth; any physical measure of debris flow and lightning.

Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records from zones that no NWS zone-county file places in this county (mostly before 2020) are not counted here (the Methods page explains the zone matching).

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

A monthly summary record covers most or all of a month; it does not count days at wave conditions.

Supports FEMA checklist item B1-d: previous occurrences

Federal declarations for this county: 24 declarations covering 16 separate hazard incidents counted in this packet (declarations for the same incident count once; non-natural and evacuation-only declarations are not counted).

Federal disaster declarations for this county

Sources: 1, 2, 3

DeclaredIncident beganFEMA numberTypeTitleMapped hazardCounty Public Assistancefederal share obligated, nominal dollarsFlagsNotes
2026-09-012026-07-12DR-4935-TXMajor disasterSevere Storms, Straight-Line Winds, Tornadoes, and FloodingInland Floodingnot yet in FEMA's PA summaries (they cover declarations through 2026-06-30)new since last plan; within last 5 years
2026-07-182026-07-12EM-3649-TXEmergencyFloodingInland Flooding (primary); also designated: Strong Wind, Tornadonot yet in FEMA's PA summaries (they cover declarations through 2026-06-30)new since last plan; within last 5 yearssame incident as DR-4935
2025-07-062025-07-02DR-4879-TXMajor disasterSevere Storms, Straight-Line Winds, and FloodingInland Flooding (primary); also designated: Strong Wind$252,562.74new since last plan; within last 5 years
2023-04-212023-01-30DR-4705-TXMajor disasterSevere Winter StormWinter Weather$67,670.83new since last plan; within last 5 years
2021-02-192021-02-11DR-4586-TXMajor disasterSevere Winter StormsIce Stormno Public Assistance recorded
2021-02-142021-02-11EM-3554-TXEmergencySevere Winter StormIce Stormno Public Assistance recordedsame incident as DR-4586
2020-03-252020-01-20DR-4485-TXMajor disasterCOVID-19 PandemicNon-natural, not counted$87,050.13
2020-03-132020-01-20EM-3458-TXEmergencyCOVID-19Non-natural, not countedno Public Assistance recordedsame incident as DR-4485
2015-05-292015-05-04DR-4223-TXMajor disasterSevere Storms, Tornadoes, Straight-Line Winds and FloodingInland Flooding; Strong Wind; Tornado$280,441.83
2011-09-092011-08-30DR-4029-TXMajor disasterWildfiresWildfireno Public Assistance recorded
2008-03-142008-03-14EM-3284-TXEmergencyWildfiresWildfireno Public Assistance recorded
2007-10-022007-08-14DR-1730-TXMajor disasterTropical Storm ErinHurricanePA not declared for this county
2006-01-112005-11-27DR-1624-TXMajor disasterExtreme Wildfire ThreatWildfire$5,896.40
2005-09-242005-09-23DR-1606-TXMajor disasterHurricane RitaHurricane: evacuation support (county designated for sheltering evacuees, no Individual Assistance), not a local hazard event; not countedno Public Assistance recorded
2005-09-212005-09-20EM-3261-TXEmergencyHurricane RitaHurricane: evacuation support (county designated for sheltering evacuees, no Individual Assistance), not a local hazard event; not countedno Public Assistance recordedsame incident as DR-1606
2005-09-022005-08-29EM-3216-TXEmergencyHurricane Katrina EvacuationHurricane: evacuation support, not a local hazard event; not countedno Public Assistance recorded
2002-07-042002-06-29DR-1425-TXMajor disasterSevere Storms and FloodingInland Flooding$426,220.39
2000-09-072000-09-06FM-2334-TXFire managementTx - Frost Fire - 09/08/00Wildfireno Public Assistance recorded
1999-09-011999-08-01EM-3142-TXEmergencyExtreme Fire HazardsWildfireno Public Assistance recorded
1998-10-211998-10-17DR-1257-TXMajor disasterTx-Flooding 10/18/98Inland Flooding (primary); also designated: TornadoPA not declared for this county
1998-08-261998-08-22DR-1239-TXMajor disasterTropical Storm CharleyHurricane; Inland Flooding: designated for Hazard Mitigation only (no Public or Individual Assistance for this county); not countedPA not declared for this county
1997-07-071997-06-21DR-1179-TXMajor disasterSevere Storms and FloodingInland Floodingno Public Assistance recorded
1993-09-101993-08-30EM-3113-TXEmergencyExtreme Fire HazardDrought (primary); also designated: Wildfireno Public Assistance recorded
1978-08-031978-08-03DR-561-TXMajor disasterSevere Storms & FloodingInland Floodingno Public Assistance recorded

County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.

Statewide declarations

Source: 2

DeclaredIncident beganFEMA numberTypeTitleMapped hazard
1998-06-231998-06-04EM-3127-TXEmergencyFireWildfire
1963-09-241963-09-24DR-159-TXMajor disasterHurricane CindyHurricane (primary); also designated: Inland Flooding
1961-09-161961-09-16DR-118-TXMajor disasterHurricane CarlaHurricane (primary); also designated: Inland Flooding
1960-07-151960-07-15DR-103-TXMajor disasterHeavy Rains, Hail, Floods & TornadoesHail; Inland Flooding; Tornado
1959-07-081959-07-08DR-93-TXMajor disasterFloodsInland Flooding
1958-06-061958-06-06DR-85-TXMajor disasterTornadoes, Rain, Hail & FloodsTornado (primary); also designated: Hail, Inland Flooding
1957-04-291957-04-29DR-72-TXMajor disasterHurricane, Rain, Wind, Hail & FloodsHurricane (primary); also designated: Hail, Inland Flooding
1954-07-011954-07-01DR-18-TXMajor disasterFloodInland Flooding
1953-06-191953-06-19DR-9-TXMajor disasterFloodInland Flooding
1953-05-151953-05-15DR-2-TXMajor disasterTornado & Heavy RainfallTornado

FEMA recorded these with designated area Statewide and no county, so they are listed on every county page in the state and not counted with county rows. Local data needed: whether each one affected this county.

91 Fire Management declarations (1988-03-12 to 2009-04-10) FEMA filed as Statewide with no county; each names one local fire. Listed on the state page.

Public Assistance not placed in any Texas county: 1 row, $902,084.65; listed on the Texas state page.

Source: 3

Previous occurrences by hazard, with explicit no-event rows

Sources: 2, 6, 7

HazardStorm Events records, all years on file(years in the Period column)Since plan approvalrecordsIn the 12 months before plan approvalrecordsLast 5 yearsrecordsDeclared incidents, all yearsseparate disastersDeclared since approvalseparate disastersPeriodStatement
Cold Wave5314001996 to 2026-06-30
Drought119331248101996 to 2026-06-30
Earthquake000000Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hail12815217001955 to 2026-06-30
Heat Wave3202001996 to 2026-06-30
Hurricane0000101996 to 2026-06-30No Storm Events records of this type; 1 federal declared incident (see declarations table)
Ice Storm0000101996 to 2026-06-30No Storm Events records of this type; 1 federal declared incident (see declarations table)
Inland Flooding88707721996 to 2026-06-30
Landslide0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Lightning0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Strong Wind39303321955 to 2026-06-30
Tornado21101311950 to 2026-06-30
Wildfire1000601996 to 2026-06-30
Winter Weather31428111996 to 2026-06-30

Notable Storm Events records

Sources: 1, 6, 7

DateEvent typeMagnitude or extentDamagenominal dollarsDeaths, injuriesdirect onlyLocationFlagsWhy listed
2024-01-14Cold/Wind Chill$0 property; $0 crops (zone total, 2024 dollars)0, 0NWS zone TXZ189 (KENDALL), zone-levelnew since last plan; within last 5 yearsB1-c worst recorded: Cold/Wind Chill, Extreme Cold/Wind Chill
2023-08-07Excessive Heat$0 property; $0 crops (zone total, 2023 dollars)0, 0NWS zone TXZ189 (KENDALL), zone-levelnew since last plan; within last 5 yearsB1-c worst recorded: Excessive Heat, Heat
2022-01-01Drought$0 property; $0 crops (zone total, 2022 dollars)0, 0NWS zone TXZ189 (KENDALL), zone-levelwithin last 5 yearsB1-c worst recorded: Drought
2017-04-02Thunderstorm Wind78 kt (90 mph) estimated gust$25,000 property; crops not reported (2017 dollars)0, 0BOERNEB1-c worst recorded: Thunderstorm Wind
2016-05-29Flash Flood$0 property; $0 crops (2016 dollars)1, 0COMFORTdeaths or injuries recorded
2011-06-19Wildfire$500,000 property; $0 crops (zone total, 2011 dollars)0, 0NWS zone TXZ189 (KENDALL), zone-levelB1-c worst recorded: Wildfire
2007-08-16Flash Flood$300,000 property; $0 crops (2007 dollars)2, 0BOERNE to SISTERDALEdeaths or injuries recorded
2007-05-02Flash Flood$0 property; $0 crops (2007 dollars)2, 0KENDALIAdeaths or injuries recorded
2006-05-04Hail4.25 in$10,000 property; crops not reported (2006 dollars)0, 0SISTERDALEB1-c worst recorded: Hail
1997-06-22Flash Flood$5,000,000 property; $1,000,000 crops (1997 dollars)0, 5COUNTYWIDEB1-c worst recorded: Flash Flood, Flood, Lakeshore Flood
1976-03-30TornadoF2, 15.2 mi path length (whole path, pre-1996), 200 yd wide$2,500,000 property; crops not recorded (1976 dollars)0, 0location not recordedB1-c most damaging: Tornado
1969-05-06TornadoF3, 2.3 mi path length (whole path, pre-1996), 100 yd wide$25,000 property; crops not recorded (1969 dollars)0, 0location not recordedB1-c worst recorded: Tornado

The full list is in the Excel file, sheet "B1-d Storm Events history" (435 rows).

Location is the place NOAA recorded, as written in its data; it need not be a jurisdiction in this plan.

Local data needed: state-declared emergencies, from your state emergency management agency (federal data do not include them).

Tribal and special-area declarations in this state are listed on the state page.

Supports FEMA checklist item B1-e: probability of future events

Probability: FEMA annualized frequency and descriptor per hazard

Sources: 5, 6

HazardFEMA annualized frequency (modeled)unit per rowUnitIn plain termsDescriptorDescriptor basisNRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional)NRI periodLocationNote
Cold Wave0.632event-days per yearabout 0.632 days per yearLikelyStorm Events event-days in 3 of 30 years, 1996 to 2025 (10%)122005-11-12 to 2024-11-12 (19 years)countywide
Drought130event-days per yearabout 130 days per yearLikelyStorm Events event-days in 15 of 30 years, 1996 to 2025 (50%)3,8292000 to 2025 (25.25 years; D3 and D4 only)countywide
Earthquake0.000217annual probability at a locationchance a given location in the county has at least minor-damage shaking in a year: 0.0217%not shownmodeledsee B1-fNo descriptor (Storm Events does not record earthquakes).
Hail3.62events per yearabout 3.62 per yearHighly likelyFEMA annualized frequency (modeled)137.5 (modeled)1986 to 2023 (38 years)countywide
Heat Wave4event-days per yearabout 4 days per yearPossibleStorm Events event-days in 2 of 30 years, 1996 to 2025 (6.67%)712005-11-12 to 2024-11-12 (19 years)countywide
Hurricane0.0242events per yearabout 1 in 41 yearsPossibleFEMA annualized frequency (modeled)81851 to 2024 (Atlantic)see B1-fNRI counts hurricane and tropical storm tracks passing within storm-force wind range; federal declarations are in B1-d.
Ice Storm0.18event-days per yearabout 0.18 days per yearStorm Events event-days in 0 of 30 years, 1996 to 2025 (0%)131946-12-31 to 2014-02-12 (67 years)countywideNo Storm Events ice storm record, 1996 to 2025
Inland Flooding2.75event-days per yearabout 2.75 days per yearLikelyStorm Events event-days in 20 of 30 years, 1996 to 2025 (66.7%)771996 to 2023 (28 years)see B1-f
Landslide0.335events per year (modeled)about 1 in 3 yearsLikelyFEMA annualized frequency (modeled)not shownmodeledsee B1-f
Lightning47days per year with a strikeabout 47 days per yearHighly likelyFEMA annualized frequency (modeled)not shown1995 to 2023 (29 years; CONUS)countywide
Strong Wind1.15events per yearabout 1.15 per yearHighly likelyFEMA annualized frequency (modeled)441986 to 2023 (38 years)countywide
Tornado0.225events per yearabout 1 in 4 yearsLikelyFEMA annualized frequency (modeled)not shown1950 to 2023 (EF2+); 1986 to 2023 (EF0-1)see B1-f
Wildfire0.00147annual probability at a locationchance a given location in the county burns in a year: 0.147%PossibleStorm Events records in 1 of 30 years, 1996 to 2025 (3.33%)not shownmodeledsee B1-f
Winter Weather3.89event-days per yearabout 3.89 days per yearLikelyStorm Events event-days in 19 of 30 years, 1996 to 2025 (63.3%)742005-11-12 to 2024-11-12 (19 years)countywide

FEMA annualized frequency (modeled) is the National Risk Index v1.20 (December 2025) estimate of how often a hazard affects this county in a year; it is not recorded events divided by years, and its unit differs by hazard (events, event-days, or days with a lightning strike per year). For earthquake, wildfire, coastal flooding and tsunami the value is the chance (or number of events) at a location in the county, not across the county, so no "1 in N years" is given and the descriptor comes from Storm Events where it has a record (none for earthquake). The Methods page gives each hazard's method, from FEMA's National Risk Index Technical Documentation v1.20.

Where NRI gives event-days, the descriptor comes from the share of years with a Storm Events record; NRI's source records more events, so the two differ.

Descriptor scale used in this packet (defined per unit)

Sources: 5, 6

UnitDescriptorDefinition
events per yearHighly likely1 or more per year
events per yearLikelyabout once in 1 to 10 years
events per yearPossibleabout once in 10 to 100 years
events per yearUnlikelyless than once in 100 years
annual probabilityLikely10% to under 100% chance in a given year
annual probabilityPossible1% to under 10% chance in a given year
annual probabilityUnlikelyunder 1% chance in a given year
event-days (share of years)Highly likelyevent-days recorded in 90% or more of years
event-days (share of years)Likelyevent-days recorded in 10% to under 90% of years
event-days (share of years)Possibleevent-days recorded in some years but under 10% of years
lightning strike-daysHighly likelycloud-to-ground strikes on 1 or more days per year

Intensity bands: historical frequency (Storm Events)

Source: 6

HazardBandYearsEventscounty-coded recordsYears in periodEvents per yearevents / years
Hail1.00-1.99 in1996 to 202560302
Hail2.00 in+1996 to 202515300.5
Thunderstorm Wind (counted as NRI Strong Wind)50-64 kt1996 to 202516300.533
Thunderstorm Wind (counted as NRI Strong Wind)65 kt+1996 to 20255300.167
Thunderstorm Wind (counted as NRI Strong Wind)unmeasured or below 50 kt1996 to 20258300.267
TornadoEF0-11996 to 20258300.267
TornadoEF2-31996 to 20250300
TornadoEF4-51996 to 20250300
Tornadounrated (EFU)1996 to 20250300

The bands show how often events of each severity were recorded in this county, to profile how severe events have been (FEMA's probability item asks for the range of intensities).

Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.

Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions (https://resilience.climate.gov/).

Supports FEMA checklist item B1-f: hazards that vary across jurisdictions

Range of census tract risk within the county

Source: 5

HazardTractsrated of allNRI risk score, 0 to 100Tracts by rating
MinMedianMax
Cold Wave9 of 946.069.983.3Relatively High 3, Relatively Moderate 5, Relatively Low 1
Drought7 of 984.088.598.0Relatively High 1, Relatively Moderate 1, Relatively Low 5, No Rating 2
Earthquake9 of 94.05.29.8Very Low 9
Hail9 of 989.195.397.5Relatively High 9
Heat Wave9 of 916.946.067.0Relatively Moderate 3, Relatively Low 6
Hurricane9 of 944.450.253.2Relatively Low 2, Very Low 7
Ice Storm9 of 94.014.625.5Very Low 9
Inland Flooding9 of 951.493.899.3Very High 4, Relatively High 3, Relatively Moderate 2
Landslide9 of 916.567.191.3Relatively Low 2, Very Low 7
Lightning9 of 976.596.399.1Very High 5, Relatively High 3, Relatively Moderate 1
Strong Wind9 of 977.591.595.2Relatively High 6, Relatively Moderate 3
Tornado9 of 966.388.996.3Very High 3, Relatively High 5, Relatively Moderate 1
Wildfire9 of 986.494.296.0Relatively Moderate 7, Relatively Low 2
Winter Weather9 of 978.793.396.8Very High 1, Relatively High 8

Drought: Agriculture is all of NRI's expected annual loss for this hazard in the county, so the tract range mostly reflects where crop and livestock value is.

Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.

The score ranks a tract against all U.S. tracts (100 = highest). The rating is FEMA's category for the tract's risk value, computed differently, so the two can disagree.

Frequency data for cold wave, drought, hail, heat wave, ice storm, lightning, strong wind and winter weather are county-wide or coarse (49 km grid or NWS zone), the same for every jurisdiction; the tract range mostly reflects where buildings and people are (crop and livestock value where a line above names agriculture).

Each jurisdiction (starting figures from federal data)

Sources: 1, 3, 4, 6

JurisdictionTypePlan statusRepetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definitionPublic Assistance to this jurisdictionFEMA records matched by applicant name; federal share obligated, nominal dollarsEvent records naming this placeall years; since its plan
Kendall CountyCountyApproved, expires 2028-03-08FMA RL 5, SRL 2; any 15$802,035.800 total; 0 since its plan
Boerne cityCityApproved, expires 2028-03-08FMA RL 0, SRL 1; any 3$225,081.0667 total; 10 since its plan
Fair Oaks Ranch cityCityPlan 108952 approved 2024-03-28, pending adoption here; not yet eligibleFMA RL 0, SRL 0; any 0no Public Assistance recorded0 total; no approved plan

Repetitive-loss counts are for whole NFIP communities, which can extend beyond this county (see the note in B2-c).

School districts and special districts get a plan clock row only.

County Public Assistance in B1-d also includes applicants filed under the county that are not jurisdictions in this plan (for example state agencies, special districts and nonprofits), so the jurisdiction rows add up to less.

Supports FEMA checklist items B2-a and B2-b: vulnerability and potential impacts

Local data needed

The table below gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.

  • Critical facilities and lifelines per hazard
  • A problem statement per jurisdiction per hazard
  • Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
  • Future assets
  • Texas A&M Forest Service TxWRAP for wildfire risk; Texas State Hazard Mitigation Plan hazard list for B1-a exclusions.

County-level starter: exposure, expected annual loss and damage since the plan

Sources: 1, 2, 3, 5, 6, 7

HazardBuilding exposuremodeled dollarsAgriculture exposuremodeled dollarsPopulation exposedpeopleEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL as % of exposurebuildings; agriculture where notedStorm Events damage since 2023-03-09county-coded records, property plus crops, nominal dollarsZone-level damage since planproperty plus crops, reported for the zonePublic Assistance since plannominal dollars; see noteNote
Cold Wave$12,859,257,033$16,017,70944,221$8,227$7,874$1,023,864under 0.0001%$0
Droughtn/a$1,174,062n/an/a$641,833n/a54.7% (agriculture)$0NRI has no building exposure for this hazard; agriculture shown
Earthquake$22,771,358,529n/a44,279$7,157n/a$2,187under 0.0001%
Hail$12,859,257,033$16,017,70944,221$1,191,291$159,215$149,5860.00926%$0
Heat Wave$12,859,257,033$16,017,70944,221$35$17$324,491under 0.0001%$0
Hurricane$12,859,257,033$16,017,70944,221$53,698$7,374$2,0950.000418%
Ice Storm$12,859,257,033n/a44,221$2,138n/a$7,456under 0.0001%
Inland Flooding$12,851,093,377$7,149,2102,019$12,424,727$225,898$4,346,557n/a (see note)$5,050,000$252,562.74NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b.
Landslide$414,845,836n/a1,167$1,317n/a$3360.000317%
Lightning$12,859,257,033n/a44,221$18,436n/a$665,2540.000143%
Strong Wind$12,859,257,033$16,017,70944,221$530,776$1,541$328,5460.00413%$1,010,500$252,562.74
Tornado$12,859,257,033$16,017,70944,221$1,052,934$607$1,990,6070.00819%$0no Public Assistance recorded (1 declaration)
Wildfire$5,110,902,904$11,987,66127,391$697,842$149$54,9620.0137%
Winter Weather$12,859,257,033$16,017,70944,221$58,821$247$125,2910.000457%$0$67,670.83

Totals since 2023-03-09 (Storm Events through 2026-06-30): 26 county-coded records, 25 with a damage value recorded (including $0), $6,060,500; 42 zone-level records, 42 with a damage value recorded (including $0), $0 reported for the zone; Public Assistance: $320,233.57 on 4 counted declarations, 2 of them with Public Assistance.

FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column does not add up to the total; the unit total counts each declaration once.

NRI computes earthquake exposure on its own basis, so it exceeds the county building value in B2-a.

Supports FEMA checklist item B2-a: vulnerability (county context)

County context

Source: 5

MeasureValue
Population44,221
Building value (total, not at risk)$12,859,257,033
Agriculture value (total, not at risk)$16,017,709
NRI risk rating (all hazards)Relatively Low
Expected annual loss, buildings and agriculture, all hazards$17,092,156
Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage)$9,021,231
Social vulnerability ratingRelatively Low
Community resilience ratingRelatively High
NRI versionDecember 2025

FEMA's all-hazard expected annual loss adds buildings, agriculture and population equivalence; this table gives the property part and the population-equivalence part as separate rows.

Social vulnerability: higher means people are more likely to be harmed and slower to recover. Community resilience: lower means the community is less able to recover. High social vulnerability and low resilience both raise the NRI risk rating.

Supports FEMA checklist item B2-c: repetitive loss properties

Repetitive loss in this county, both definitions

Sources: 1, 4

DefinitionPropertiesSevere repetitive lossProperties
Repetitive loss, FMA definition (44 CFR 77.2)5Severe repetitive loss, FMA definition (44 CFR 77.2)3
Repetitive loss, NFIP insurance definition17Severe repetitive loss, NFIP insurance definition1

The state NFIP coordinator's list, the source FEMA's Handbook names, often uses the NFIP insurance definition (second row).

Repeat-flood properties: county and state-level rows

Sources: 1, 4

ScopeRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
County total531711806
of which: Kendall County (unincorporated area)521401505
of which: Boerne city0131301
Statewide, no county in FEMA's file381271319

The statewide row counts properties FEMA's file gives with no county in this state; they are listed for reference and are not in this county's counts.

Repeat-flood properties by jurisdiction in the plan (NFIP community)

Sources: 1, 4

JurisdictionNFIP community IDRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
Kendall County480417521401505
Boerne city4804180131301
Fair Oaks Ranch city4816440000000

Counts by occupancy group for each jurisdiction are in the Excel file, sheet "B2-c Jurisdictions".

Jurisdiction rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each jurisdiction row, while the county table counts only its part in this county.

County repeat-flood properties by occupancy group

Sources: 1, 4

Occupancy groupRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
single-family residential531611706
2 to 4 unit residential0000000
other residential0000000
non-residential0010100
not reported0000000

FEMA's occupancy groups have no institutional class; institutional properties are counted in non-residential or other residential in the table by occupancy group.

FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites. NFIP repetitive loss (the FEMA insurance definition) is 2 or more claims over $1,000 in 10 years, and a property can leave that group once it is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured. The Methods page gives the OpenFEMA field details.

Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (FEMA's data date 2026-08-02; file version 2026-08-04). No property is identified. County assignment is FEMA's geocode.

In this county 0 properties are FMA repetitive loss but not NFIP repetitive loss, and 12 properties are NFIP repetitive loss but not FMA repetitive loss.

Exact counts; no count suppression.

Sources

Tables cite these sources by number. The full list, for the plan's bibliography (FEMA review item A4-a):

  1. FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-29T134039Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
  2. FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-29T162832Z, pulled 2026-09-30, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
  3. FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-29T150754Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
  4. FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
  5. FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-30, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
  6. NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-30, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
  7. NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-30, https://www.weather.gov/gis/ZoneCounty
  8. U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-30, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx (used to match place names and codes; no table prints its values)

What this packet is and what the plan adds

This packet is the federal data for the plan's risk assessment (the summary on page 1 says how it is organized); the plan and FEMA's review decide whether each item is met.

The plan adds what only the community has: local data on assets, critical facilities, development and each jurisdiction's impacts; local hazard history, including state-declared emergencies; the mitigation strategy; and adoption.

How the federal data are built: National Risk Index values are FEMA's model, not counts of events. Storm Events is more complete from 1996; zone-level records are placed by forecast zone, not by location in the county. Public Assistance for a jurisdiction is matched by applicant name. The Methods page gives every rule and the known edge cases.

OpenFEMA disclaimer

This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Reuse, citation and corrections

Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.

Cite this: Hazard Plain (2026). Kendall County, TX: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-30; County FIPS 48259). Automated baseline. https://hazardplain.org/tx/48259/ Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.

Corrections: to report an error, name the packet, the table and what your records show. Contact: [email protected]