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San Antonio River Basin Report Card 2022

San Antonio River Basin Report Card Summary
The overall grade for the 2022 San Antonio River Basin Report Card is B. This grade is the average of twelve individual indicator grades, which are explained in greater detail below.
Flood Insurance
Flood Insurance
How is this being measured?
Explanation of the grade
Key findings

FFlood Insurance

While all the metrics in the San Antonio River Basin Report Card have overlapping correlation to the safecleanenjoyable creeks and rivers aspects of the River Authority’s mission, the Community Flood Insurance Coverage grade is primarily related to the safe aspect.

Number of Emergency Calls For Flooding


The River Authority focuses much of its technical expertise and resources to mitigating flooding because the San Antonio River Basin is part of a region known as Flash Flood Alley. The dangers and devastation of flooding are a very real risk for the communities we serve. Therefore, the River Authority, as a regional entity, works with the federal and state governments and leaders in Bexar, Wilson, Karnes, and Goliad counties to address flooding on a regional basis. You can learn more about the River Authority’s leadership role in flood mitigation here.

Floods are not only a high-risk natural disaster for the San Antonio River Basin, but according to the Federal Emergency Management Agency (FEMA), floods are the most common and costly natural disaster in the United States, affecting properties that have been identified in and out of high-risk flood areas. Historically, nearly 25% of all flood damage claims come from outside identified high-risk flood areas. FEMA also notes that, “people outside of high-risk flood areas filed 40% of all National Flood Insurance Program (NFIP) flood insurance claims between 2015 and 2019.” Everyone lives in a watershed, and no matter where your home is located within the San Antonio River Basin, there is a level of flood risk associated with your property.

Looking at Hurricane Harvey, which hit Texas in 2017, the flooding associated with it in Harris County supports the national outlook described above. According to the Texas Comptroller’s Hurricane Harvey report, A Storm to Remember, “FEMA estimated about 40% of all buildings flooded in Harris County were in areas considered to be ‘of minimal flood hazard.’” Further, the report cites that “researchers at the University of California at Davis determined half of the flooded land in Harris County was outside the boundaries of official flood maps.” Again, this demonstrates there is a level of flood risk associated with all properties throughout the San Antonio River Basin.

To show what may have happened if Hurricane Harvey hit downtown San Antonio, the River Authority created an animation that demonstrates the amount of river flooding alone that would have occurred. This conservative animated model does not show the additional street level urban flooding that would have happened if such a rainfall event hit the city, so an event of Harvey’s magnitude would likely be even worse than the model indicates.

With these statistics in mind, the River Authority thought it beneficial to “grade” the level of flood insurance coverage throughout our four-county jurisdiction of Bexar, Wilson, Karnes, and Goliad counties.

How is this being measured?

2018 Insurance Information Institute Pulse survey found that 15 percent of American homeowners had a flood insurance policy, up from 12 percent who had the coverage in 2016. Using the percentage from the 2018 study as the national average for the purchase of flood insurance, we went to FEMA to find the number of flood insurance policies in force on an annual basis within communities, which FEMA produces. The River Authority, on an annual basis, receives single-family and multi-family residence statistics from the county appraisal districts. Using all this data from Fiscal Year 2021-22, this basin report card grade is determined by dividing the number of known flood insurance policies by the number of residences in each county of our jurisdiction. This percentage of flood insurance coverage by county within our district is then divided by the national average of 15% and finally multiplied by 100 to obtain the score by county. The four county scores are then averaged to identify the overall basin-wide grade for this report card.

Explanation of the grade

County # of floor insurance policies # of homestead % covered Standardized score of % covered compared to national average of 15% coverage
Bexar 6441 566,316 0.0114 7.6
Wilson 192 16,308 0.0118 7.8
Karnes 36 4,458 0.0081 5.4
Goliad 64 2105 0.0304 20.3

(7.6+7.8+5.4+20.3 = 41.1 / 4 = 10.3%)

Overall Grade for the San Antonio River Basin: F

Key findings

This metric received a failing grade because homeowners within the San Antonio River Basin are well-below the national average for having flood insurance coverage. Given the tragic history of flooding in this region, particularly in Bexar County, a key finding is that this grade indicates an under-insured population, with regards to homeowner flood insurance. According to the Insurance Information Institute, the San Antonio River Watershed is not alone in being under-insured, "the number of policies in force has been declining from the high point of 5.7 million in 2009 to 4.95 million by August 2021.”

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