Bandera County, Texas: hazard history
What federal records show has already happened here: disaster declarations, storms, and flood insurance claims. This is a record of the past. It is not a forecast and not a hazard score.
At a glance
What this means
- The event NOAA recorded most often here is Flash Flood, with 120 records.
- The costliest single record is Flash Flood in 1997: $5.0M in property damage, in the dollars of that year.
- The deadliest record is Flash Flood in 1997, with 2 deaths.
- FEMA has declared 18 disasters that named this county, most often for flood.
- The worst year for flood insurance claims was 2002, with 104 claims.
What this can't tell you
- What happens next. Past events do not set the odds of the next one.
- Anything before 1996 from NOAA. That is when NOAA began recording every event type; earlier files hold only tornado, hail and wind, so they are left out on purpose.
- Today's cost. Damage and payments are in the dollars of the year they happened.
- A flood rate. NFIP counts claims but not how many homes were insured, and many flooded homes carry no flood insurance.
- Earthquakes, wildfire perimeters or radar-detected hail. Those records are not tied to counties.
Federal disaster declarations (FEMA)
FEMA declared 18 disasters that named Bandera County between 1978 and 2026.
| Incident type | Disasters | Most recent |
|---|---|---|
| Flood | 6 | 2026 |
| Fire | 3 | 2008 |
| Hurricane | 3 | 2005 |
| Biological | 2 | 2020 |
| Severe Ice Storm | 2 | 2021 |
| Drought | 1 | 1993 |
| Severe Storm | 1 | 1998 |
Most recent declarations
- DR-4935 2026 · Flood · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
- EM-3649 2026 · Flood · Flooding
- EM-3554 2021 · Severe Ice Storm · Severe Winter Storm
- DR-4586 2021 · Severe Ice Storm · Severe Winter Storms
- DR-4485 2020 · Biological · Covid-19 Pandemic
- EM-3458 2020 · Biological · Covid-19
- DR-4272 2016 · Flood · Severe Storms And Flooding
- EM-3284 2008 · Fire · Wildfires
- DR-1624 2005 · Fire · Extreme Wildfire Threat
- DR-1606 2005 · Hurricane · Hurricane Rita
Not counted above: 102 statewide declarations, which covered every county in Texas. A declaration is a decision to send federal help, not a measure of how bad an event was. Records run from 1953. Source: FEMA OpenFEMA Disaster Declarations Summaries.
Storms recorded by NOAA, by type
| Event type | Records | Deaths | Injuries | Property damage |
|---|---|---|---|---|
| Flash Flood | 120 | 5 | 26 | $6.8M |
| Drought | 114 | 0 | 0 | $0 |
| Hail | 104 | 0 | 0 | $5K |
| Thunderstorm Wind | 26 | 0 | 0 | $239K |
| Winter Storm | 12 | 0 | 0 | $0 |
| Winter Weather | 11 | 0 | 0 | $0 |
| Excessive Heat | 4 | 0 | 0 | $0 |
| Flood | 4 | 0 | 0 | $0 |
| Extreme Cold/Wind Chill | 3 | 1 | 0 | $0 |
| Cold/Wind Chill | 1 | 0 | 0 | $0 |
| Funnel Cloud | 1 | 0 | 0 | $0 |
| Heavy Snow | 1 | 0 | 0 | $0 |
| Ice Storm | 1 | 0 | 0 | $0 |
| Lightning | 1 | 1 | 2 | $0 |
| Strong Wind | 1 | 0 | 0 | $0 |
Records start in 1996. Damage is NOAA's estimate at the time, in nominal dollars, and is often rounded; it is not insurance claims data. A storm that crossed two NOAA zones in this county is recorded, and counted, once per zone. A storm filed against a forecast zone is counted in every county that zone covers, with the whole storm's damage; do not add these figures across counties.
Year by year
NOAA storm event records in Bandera County each year. The busiest year was 2023, with 28 records.
Show the numbers for every year
| Year | Records | Deaths | Property damage |
|---|---|---|---|
| 1996 | 20 | 0 | $18K |
| 1997 | 16 | 4 | $5.0M |
| 1998 | 10 | 0 | $75K |
| 1999 | 7 | 0 | $60K |
| 2000 | 14 | 0 | $90K |
| 2001 | 9 | 0 | $215K |
| 2002 | 11 | 0 | $100K |
| 2003 | 5 | 0 | $120K |
| 2004 | 14 | 1 | $80K |
| 2005 | 10 | 0 | $0 |
| 2006 | 8 | 0 | $0 |
| 2007 | 22 | 1 | $1.1M |
| 2008 | 8 | 0 | $0 |
| 2009 | 3 | 0 | $20K |
| 2010 | 7 | 0 | $0 |
| 2011 | 11 | 0 | $10K |
| 2012 | 17 | 0 | $0 |
| 2013 | 14 | 0 | $0 |
| 2014 | 21 | 0 | $0 |
| 2015 | 11 | 0 | $0 |
| 2016 | 14 | 0 | $0 |
| 2017 | 11 | 0 | $0 |
| 2018 | 13 | 0 | $0 |
| 2019 | 5 | 0 | $0 |
| 2020 | 14 | 0 | $0 |
| 2021 | 12 | 1 | $25K |
| 2022 | 27 | 0 | $2K |
| 2023 | 28 | 0 | $25K |
| 2024 | 20 | 0 | $12K |
| 2025 | 17 | 0 | $10K |
| 2026 | 5 | 0 | $0 |
Years with no record are left out of the table, not shown as zero.
Notable events
Costliest records
- Flash Flood · Jun 21, 1997$5.0MNOAA name: Bandera County · 2 deaths · 20 injuries · NOAA record 5608130
- Flash Flood · Aug 16, 2007$1.0MNOAA name: Bandera County · NOAA record 51442
- Flash Flood · Jul 21, 2007$100KNOAA name: Bandera County · NOAA record 49443
- Flash Flood · Apr 23, 2001$80KNOAA name: Bandera County · NOAA record 5237860
- Thunderstorm Wind · Jul 23, 2003$80KNOAA name: Bandera County · NOAA record 5375445
Deadliest records
- Flash Flood · Apr 3, 19972 deathsNOAA name: Bandera County · NOAA record 5599833
- Flash Flood · Jun 21, 19972 deathsNOAA name: Bandera County · $5.0M damage · 20 injuries · NOAA record 5608130
- Flash Flood · Mar 14, 20041 deathNOAA name: Bandera County · $20K damage · 1 injury · NOAA record 5389588
- Lightning · Jul 24, 20071 deathNOAA name: Bandera County · 2 injuries · NOAA record 49563
- Extreme Cold/Wind Chill · Feb 14, 20211 deathNOAA name: NWS forecast zone · NOAA record 943790
Each line is one NOAA record, linked to its page at NOAA. One large storm can appear more than once if NOAA recorded it in several zones of this county. Dollars are nominal.
Flood insurance claims (NFIP)
The National Flood Insurance Program paid $5.7M on 217 claims in Bandera County from 1978 to 2021.
| Year | Claims | Paid |
|---|---|---|
| 2002 | 104 | $3.8M |
| 1997 | 25 | $519K |
| 2007 | 14 | $137K |
| 1987 | 13 | $149K |
| 2016 | 11 | $678K |
A count of claims, not a rate: NFIP publishes no count of insured homes beside it, and most flood damage is uninsured. Nominal dollars. Records run from 1978 to 2024; claims filed without a county code are not on any county page. Source: FEMA OpenFEMA FIMA NFIP Redacted Claims.
Hazard vulnerability analysis: the probability column for a facility in Bandera County
A hazard vulnerability analysis rates each hazard for probability, impact, preparedness and response. Probability is the one column the county’s federal record can fill — NCEI storm events from 1996 to 2026 and FEMA declarations naming the county — and this is what it says for a facility here, on the 0–3 scale of the all-hazards structure surveyors expect. The other six columns are the facility’s own judgment about its building, and Calchis leaves them blank.
| Hazard | Prob. | Basis, from the county record |
|---|---|---|
| Hurricane / Tropical Storm | 3 | No events of this kind on the county's NCEI record over 31 years. 3 federal disaster declarations naming the county. |
| Severe Thunderstorm | 3 | 131 NCEI events over 31 years (4.23/yr). 1 federal disaster declaration naming the county. |
| Flood, External | 3 | 124 NCEI events over 31 years (4.00/yr). 6 federal disaster declarations naming the county. |
| Drought | 3 | 114 NCEI events over 31 years (3.68/yr). 1 federal disaster declaration naming the county. |
| Wild Fire | 3 | No events of this kind on the county's NCEI record over 31 years. 3 federal disaster declarations naming the county. |
| Snow Fall / Blizzard / Ice Storm | 2 | 25 NCEI events over 31 years (0.81/yr). 2 federal disaster declarations naming the county. |
| Temperature Extremes | 2 | 8 NCEI events over 31 years (0.26/yr). No federal disaster declaration of this kind has named the county. |
| Epidemic | 2 | 2 federal disaster declarations naming the county. |
| Tornado | 1 | No events of this kind on the county's NCEI record over 31 years. No federal disaster declaration of this kind has named the county. |
| High Wind (non-convective) | 1 | 1 NCEI event over 31 years (0.03/yr). No federal disaster declaration of this kind has named the county. |
| Earthquake | 1 | No federal disaster declaration of this kind has named the county. |
| Landslide | 1 | No events of this kind on the county's NCEI record over 31 years. No federal disaster declaration of this kind has named the county. |
| Tidal Wave / Tsunami | 1 | No events of this kind on the county's NCEI record over 31 years. No federal disaster declaration of this kind has named the county. |
| Volcano | 1 | No events of this kind on the county's NCEI record over 31 years. No federal disaster declaration of this kind has named the county. |
| Dam Inundation | 1 | No federal disaster declaration of this kind has named the county. |
A dash means the record does not speak to that hazard; it is not a zero. Whether a finished document satisfies the CMS Emergency Preparedness Rule is the facility’s finding and its surveyor’s. Complete the HVA for a facility in Bandera County — the technological, human and hazardous-materials rows, the six facility columns, the approval and the printed document — or read the sample analysis on that page first.
How this page was made
- Every figure is counted from public federal records held by Calchis: NOAA NCEI Storm Events, FEMA OpenFEMA Disaster Declarations, and FEMA NFIP claims. Nothing is modeled or estimated.
- NOAA files some events against a county and others against an NWS forecast zone, and publishes a code for both. Records are counted as Bandera County by that code — county records by the county's own FIPS code, zone records through the National Weather Service's published list of which counties each zone covers. No name matching is involved. Of 404 records, 254 were filed against this county and 150 against a forecast zone covering it. A zone storm is counted in every county its zone covers, and its damage figure is the whole storm's, not this county's share — NOAA does not publish that split. So these figures describe this county; they must not be added up across counties. Left out: 1% of Texas's NOAA records, which are marine zones or zones NWS does not map to a county.
- Counts last rebuilt from the source records on Sep 15, 2026.
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Recorded history from federal public records. Not a hazard score, a risk score, or a forecast, and not a substitute for professional actuarial or emergency-management assessment. Decision-support intelligence — not a primary alerting or dispatch system. Verify against official sources.