Canyon Lake, Texas: natural disaster risk
How exposed Canyon Lake is to floods, storms and other hazards, from FEMA and NOAA records for Comal County.
Canyon Lake is a community of 33,883 people in Comal County, Texas. FEMA's National Risk Index rates Comal County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, tornado and cold wave, with about $144 million in expected losses a year across the county. The weather service has logged 427 storm reports in the county since 1957, including 17 tornadoes and 145 floods. NOAA hurricane records show 3 hurricanes and 6 tropical storms passing within 65 miles of the county's center. About 2.4% of homes in the county carry federal flood insurance.
Risk figures are for Comal County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Canyon Lake
Full Comal County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $118M | |
| Tornado | $11M | |
| Cold wave | $3M | |
| Hail | $3M | |
| Heat wave | $3M | |
| Wildfire | $1M | |
| Strong wind | $1M | |
| Lightning | $1M | |
| Winter weather | $514K | |
| Drought | $481K | |
| Hurricane | $326K | |
| Ice storm | $160K |
Homes in Canyon Lake
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Comal County
More cities in Comal County
Common questions about Canyon Lake
Is Canyon Lake safe from natural disasters?
Canyon Lake is in Comal County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, tornado, cold wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Canyon Lake?
By expected yearly losses in Comal County, the top hazards are inland flooding (High), tornado (High), cold wave (Moderate). Comal County has been part of 26 federal disaster or emergency declarations for natural events.
Does Canyon Lake get tornadoes?
Yes. NOAA records list 17 tornadoes in Comal County since 1950; the strongest was an F3 tornado on September 20, 1967. FEMA rates tornado risk in the county high.
Do I need flood insurance in Canyon Lake?
Standard home insurance does not cover floods. In Comal County, about 2.4% of homes have federal flood insurance, and FEMA rates inland flooding risk high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.