Schertz, Texas: natural disaster risk
How exposed Schertz is to floods, storms and other hazards, from FEMA and NOAA records for Bexar County.
Schertz is a city of 44,050 people in Bexar County, Texas. Parts of Schertz also reach into Guadalupe County and Comal County. FEMA's National Risk Index rates Bexar County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are inland flooding, tornado and hail, with about $619 million in expected losses a year across the county. The weather service has logged 1,458 storm reports in the county since 1953, including 74 tornadoes and 445 floods. NOAA hurricane records show 2 hurricanes and 7 tropical storms passing within 65 miles of the county's center. About 0.8% of homes in the county carry federal flood insurance.
Risk figures are for Bexar County, the county with most of the population Schertz sits in. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Schertz
Full Bexar 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.
- Ask about the roof age and any impact-rated shingles.
- Check your home policy for a separate wind and hail deductible.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $365M | |
| Tornado | $124M | |
| Hail | $72M | |
| Heat wave | $39M | |
| Cold wave | $10M | |
| Hurricane | $3M | |
| Lightning | $2M | |
| Wildfire | $2M | |
| Strong wind | $2M | |
| Earthquake | $437K | |
| Drought | $435K | |
| Ice storm | $324K |
Homes in Schertz
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 Bexar County
More cities in Bexar County
Common questions about Schertz
Is Schertz safe from natural disasters?
Schertz is in Bexar County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are inland flooding, tornado, hail. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Schertz?
By expected yearly losses in Bexar County, the top hazards are inland flooding (Very High), tornado (Very High), hail (Very High). Bexar County has been part of 30 federal disaster or emergency declarations for natural events.
Does Schertz get tornadoes?
Yes. NOAA records list 74 tornadoes in Bexar County since 1950; the strongest was an F4 tornado on April 28, 1953. FEMA rates tornado risk in the county very high.
Do I need flood insurance in Schertz?
Standard home insurance does not cover floods. In Bexar County, about 0.8% of homes have federal flood insurance, and FEMA rates inland flooding risk very high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.