FEMA flood zone
Zone XMinimal risk

Outside FEMA’s 100-year and 500-year floodplains.

Flood insuranceNot required

230 State Hwy 39, Ingram, TX 78025 · 30.07376, -99.24054

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

X Minimal risk

This area is outside the 100-year and 500-year floodplains. Minimal flood risk. Insurance is not required but may be advisable.

Subtype: AREA OF MINIMAL FLOOD HAZARDDFIRM: 48265C

Where this address sits

The marker shows this property’s zone on a typical river floodplain cross-section. The dashed blue line is the base flood elevation, the height FEMA’s 1%-a-year flood is expected to reach.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

What Zone X (minimal risk) Actually Looks Like in Kerr County, TX

Based on 23 historical NFIP flood insurance claims filed in this zone type for this area.

Claims Filed (All Years)
23
Avg Payout per Claim
$9,878
Avg Water Depth (where recorded)
2 in
Most Common Cause
Stream, river, or lake overflow (43%)
Peak Claim Year
2002 (7 claims)
Total Paid to Policyholders
$158,048

Source: OpenFEMA NFIP claims dataset, scoped to Kerr County, TX and Zone X (minimal risk).

Worst Flood Year on Record: 2025

In 2025, Kerr County recorded 125 NFIP flood insurance claims — the most of any year since 1978. Policyholders collected a total of $17.6M that year. The driver: Severe Storms, Straight-line Winds, And Flooding.

See all flood history for Kerr County →

Flood Insurance Optional

This address is not in a Special Flood Hazard Area. Flood insurance is not required by federal law (your lender may still require it), but low and moderate-risk areas still generate a meaningful share of flood claims.

FEMA no longer sells the discounted Preferred Risk Policy; every NFIP policy is now priced on the building’s own flood risk, not its zone. Visit FloodSmart.gov for current guidance and quotes.

What to Know Next

Flood insurance in Zone X: what the claims showDo I still need flood insurance?What is a 100-year flood?How much does flood insurance cost?Why FEMA's flood map isn't the whole picture →

Flood Insurance in Texas

Avg NFIP Premium (Aug 31, 2026)
$1,007/yr
Total NFIP Claims
393,539
Total Claims Paid
$17.3B
Avg Claim Payout
$44,061
Policies in Force (Aug 31, 2026)
561,842
Peak Claims Year
2017
Disaster Declarations
5,389

Statewide data from OpenFEMA and FEMA disaster declaration datasets. NFIP policies in force and average premium (premium plus federal policy fee) as of August 31, 2026, from OpenFEMA.

View broader Texas flood zone data →

Learn more about Zone X →

Official-looking single-page report — great for closing files, insurance reviews, or buyer due diligence.

FloodZoneMap.org
FEMA Flood Zone Report
Report Date: October 18, 2026
Source: FEMA NFHL (official)
Property Address
230 State Hwy 39, Ingram, TX 78025
Kerr County, TX · 30.073762, -99.240544
FEMA Flood Zone
X
Low Risk

This area is outside the 100-year and 500-year floodplains. Minimal flood risk. Insurance is not required but may be advisable.

Zone SubtypeAREA OF MINIMAL FLOOD HAZARD
DFIRM Panel48265C
SFHA StatusNo

Flood Insurance Implication

Flood insurance is not required by federal law for this address.

Historical Context

In Kerr County County, TX, the FEMA claims dataset records 23 flood insurance claims in Zone X (minimal risk). Average payout per claim: $9,878. Average recorded water depth: 2 inches. Most common reported cause: Stream, river, or lake overflow.

Worst flood year on record for this county: 2025, with 125 claims filed and $17.6M paid to policyholders. Driver: Severe Storms, Straight-line Winds, And Flooding.