San Antonio, TX

San Antonio's heat score of 82 sits at the 91st national percentile—the city's dominant hazard by rank—and the record summer of 2023 extended triple-digit temperatures for weeks, raising energy costs and outdoor usability concerns across a metro that has grown faster than its housing stock has been upgraded. The city's flood score of 57, at the 67th national percentile, reflects a moderate but persistent flash-flooding risk: the 1998 South Texas floods produced severe conditions across regional creek systems, and San Antonio's watershed geometry ensures that intense rainfall events can become road-access problems within hours. What we noticed: the distinction between Downtown creek corridors and hillside addresses matters more than zip code comparisons suggest. Alamo Heights area homes in 78209 need drainage and insulation review that is separate from the headline heat question. Northwest side properties in 78230 have seen flash flooding cut road access quickly during intense storm events—a practical constraint for buyers evaluating location by commute time alone. Annual premiums range from $1,700 to $3,800—moderate, with flood insurance not universally required but worth evaluating for creek-adjacent properties. Heat resilience is increasingly an operating-cost issue rather than an insurance issue: cooling bills during a 2023-style summer drive total cost of ownership higher than premium comparisons between cities suggest. Far North side growth corridors in 78258 face compounding stormwater and grass-fire exposure as development extends into less-engineered drainage territory. The wildfire score at the 45th national percentile is low—but the edge-city fire exposure is real enough to warrant a check. San Antonio's risk story is heat first, creek flooding second—and both are measurable in the monthly utility bill.

— Open Data Collective