An increasing number of natural disasters is beginning redefining how people and governments plan for disasters in unprecedented measures.

Residents across Hays County share a common enemy: floods that have swept homes, businesses and taken lives with them. But as these tragedies become the norm, cities are upgrading their disaster relief efforts, unlike anything they have in the past.

“Natural disasters in Texas are not only bad but also many,” said Wallethub Analyst Jill Gonzalez. &#...