393,539 flood insurance claims·$17.3B paid·561,842 policies in force
6 flood alerts from the National Weather Service, checked 1 minute ago. Whole U.S. →
FFWCRP
The National Weather Service in Corpus Christi has issued a
Flash Flood Warning for. Southeastern La Salle County in south central Texas... Southern McMullen County in south central Texas... Northeastern Webb County in south central Texas...
Until 1100 AM CST.
At 754 AM CST, Doppler radar indicated thunderstorms producing heavy rain across the warned area. Between 2 and 3 inches of rain have fallen. Additional rainfall amounts of 1 to 2 inches are possible in the warned area. Flash flooding is ongoing or expected to begin shortly.
HAZARD...Flash flooding caused by thunderstorms.
SOURCE...Radar indicated.
IMPACT...Flash flooding of small creeks and streams, urban areas, highways, streets and underpasses as well as other poor drainage and low-lying areas.
Some locations that will experience flash flooding include... Mainly rural areas of Southeastern La Salle, Southern McMullen and Northeastern Webb Counties.
What to do.
Turn around, don't drown when encountering flooded roads. Most flood deaths occur in vehicles.
Be aware of your surroundings and do not drive on flooded roads.
WHAT. Flooding caused by excessive rainfall continues to be possible.
WHERE. A portion of south Texas, including the following areas, Aransas Islands, Bee, Coastal Aransas, Coastal Kleberg, Coastal Nueces, Coastal Refugio, Coastal San Patricio, Duval, Goliad, Inland Kleberg, Inland Nueces, Inland Refugio, Inland San Patricio, Jim Wells, Kleberg Islands, La Salle, Live Oak, McMullen, Nueces Islands and Webb.
WHEN. Until noon CST today.
IMPACTS. Excessive runoff may result in flooding of rivers, creeks, streams, and other low-lying and flood-prone locations. Creeks and streams may rise out of their banks. Flooding may occur in poor drainage and urban areas. Low-water crossings may be flooded.
ADDITIONAL DETAILS. - A widespread swath of 4-8 inch radar estimated rainfall amounts have fallen across the southern Rio Grande Plains/Brush Country today. An additional 1-3 inch rainfall amounts are forecast through Monday evening, with isolated areas of greater than 4 inches. Any rainfall over this high rainfall corridor and storms with 2-4 inch rainfall rates/training storms (especially across the urban areas and poor drainage wars) will lead to additional flooding concerns. - http://www.weather.gov/safety/flood
What to do.
You should monitor later forecasts and be alert for possible Flood Warnings. Those living in areas prone to flooding should be prepared to take action should flooding develop.
...The Flood Advisory continues for the following rivers in Texas...
Los Olmos Creek Near Falfurrias affecting Brooks County.
.Excessive rainfall is forecast to continue upstream of Los Olmos into early this week, leading to a rise in river levels that may approach action stage late tonight.
For the Los Olmos Creek...including Falfurrias...elevated river levels are forecast.
WHAT. Flooding caused by excessive rainfall continues.
WHERE. Los Olmos Creek near Falfurrias.
WHEN. Until late Friday night.
IMPACTS. At 7.0 feet, Minor lowland flooding reaches 120 feet wide into flood plain-persons vulnerable to lowland flooding should move equipment to higher ground
ADDITIONAL DETAILS. - At 6:15 AM CST Monday the stage was 1.9 feet. - Bankfull stage is 5.0 feet. - Forecast...The river is expected to rise to a crest of 6.9 feet early Wednesday morning. - Action stage is 5.0 feet. The river is expected to reach action stage late tonight. - Flood stage is 11.0 feet. - http://www.weather.gov/safety/flood
What to do.
Please report observed flooding to local emergency services or law enforcement and request they pass this information to the National Weather Service when you can do so safely.
Stay tuned to further developments by listening to your local radio, television, or NOAA Weather Radio for further information.
Additional information is available at www.weather.gov.
The next statement will be issued this evening at 700 PM CST.
WHAT. Minor coastal flooding.
WHERE. Coastal Aransas, Coastal Kleberg, Coastal Nueces, Coastal San Patricio, Coastal Refugio and Coastal Calhoun Counties.
WHEN. Until 3 AM CST Tuesday.
IMPACTS. Flooding of lots, parks, and roads with only isolated road closures expected.
What to do.
If travel is required, allow extra time as some roads may be closed. Do not drive around barricades or through water of unknown depth. Take the necessary actions to protect flood-prone property.
WHAT. For the Coastal Flood Advisory, minor coastal flooding. For the High Rip Current Risk, dangerous rip currents.
WHERE. Aransas Islands, Kleberg Islands, Nueces Islands and Calhoun Islands Counties.
WHEN. For the Coastal Flood Advisory, until 3 AM CST Tuesday. For the High Rip Current Risk, through this afternoon.
IMPACTS. Flooding of lots, parks, and roads with only isolated road closures expected. Rip currents can sweep even the most experienced swimmers away from shore into deeper water. These rip currents can become life-threatening to anyone entering the surf.
What to do.
If travel is required, allow extra time as some roads may be closed. Do not drive around barricades or through water of unknown depth. Take the necessary actions to protect flood-prone property.
Swim near a lifeguard. If caught in a rip current, relax and float. Don't swim against the current. If able, swim in a direction following the shoreline. If unable to escape, face the shore and call or wave for help.
WHAT. Small stream flooding caused by excessive rainfall is expected.
WHERE. Bandera County in south central Texas... Edwards County in south central Texas... Kerr County in south central Texas... Kinney County in south central Texas... Medina County in south central Texas... Real County in south central Texas... Uvalde County in south central Texas... Val Verde County in south central Texas...
WHEN. Until 400 PM CST Monday.
IMPACTS. Minor flooding in low-lying and poor drainage areas. Rises in small streams and normally dry creeks. Dangerous flows over low-water crossings. Overflowing poor drainage areas.
ADDITIONAL DETAILS. - At 815 AM CST, Doppler radar indicated heavy rain due to a solid area of rain with a few embedded thunderstorms. This will cause small stream flooding. Between 1 and 2 inches of rain have fallen this morning. - Additional rainfall amounts up to 2 inches are expected over the area through this afternoon. This additional rain will result in minor flooding. - Some locations that will experience flooding include... Medina, Del Rio, Uvalde, Hondo, Devine, Brackettville, Rocksprings, Comstock, Leakey, Spofford, Vanderpool, Loma Alta, Tarpley, Juno, Sabinal, Hunt, Camp Wood, Lake View, Barksdale and Vance. - http://www.weather.gov/safety/flood
What to do.
Turn around, don't drown when encountering flooded roads. Most flood deaths occur in vehicles.
Flooding is occurring or is imminent. It is important to know where you are relative to streams, rivers, or creeks which can become killers in heavy rains. Campers and hikers should avoid streams or creeks.
| River gauge | Now | Forecast |
|---|---|---|
| Oso Creek near Corpus Christi | Below flood stage (10.5 ft) | Moderate flooding |
| Dry Devils River near Comstock | Minor flooding (6.7 ft) | — |
| Tide Gauge at Bird Island | Minor flooding (2.0 ft) | — |
| Devils River at Bakers Crossing near Juno | Near flood stage (4.1 ft) | Near flood stage |
| North Llano River near Junction | Near flood stage (14.8 ft) | — |
| Llano River near Junction | Near flood stage (13.5 ft) | Near flood stage |
| Neches River at Saltwater Barrier | Near flood stage (3.5 ft) | Near flood stage |
Is your address in the flood zone? Search it above for FEMA’s zone and base flood elevation. A new flood insurance policy usually takes 30 days to start (NFIP rule; exceptions include a policy bought when closing a mortgage), so one bought during a flood generally won’t cover it. Homeowners policies don’t cover flood.
Shaded areas are FEMA’s mapped flood hazard zones in and around Texas. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Texas faces a mixed flood risk profile dominated heavily by frequent flash floods alongside standard floods, tropical systems, and coastal events. Over the last 30 years, NOAA data records 13,530 flash flood events resulting in 546 deaths, making flash flooding the most frequent and lethal hazard in the state, complemented by 1,810 general flood events and hundreds of tropical storms, hurricanes, and storm surge occurrences.
Recent federal disaster declarations highlight ongoing vulnerability to severe storms, straight-line winds, and flooding, such as the multiple declarations issued on July 2, 2025. This activity impacts both inland areas and coastal regions subject to tropical depressions, tropical storms, and hurricanes like the 68 recorded events that caused 32 deaths, plus coastal floods and storm surges.
National Flood Insurance Program claims data demonstrates that risk extends far beyond designated high-risk zones. While Zone A accounts for the highest volume with 176,194 claims and $8,789 million paid, Zone X categories record substantial totals as well, including 128,679 standard Zone X claims totaling $6,329 million, 46,292 unshaded Zone X claims, and 18,346 shaded Zone X claims. This distribution indicates that while residents in Zone A face the most immediate and frequent threat requiring insurance, property owners in Zone X experience significant surprise claims, proving that flood risk persists outside traditionally mapped high-risk areas.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data. NFIP policies in force and average premium (premium plus federal policy fee) as of August 31, 2026, from OpenFEMA.
Texas has received 5,389 federal disaster declarations, including 655 flood and coastal storm declarations and 561 hurricane declarations.
NFIP claims by county, 1978 to date. Source: OpenFEMA. Counties ranked by recorded flood events →
Properties in Texas FEMA-designated Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance through the National Flood Insurance Program (NFIP).
Texas had 561,842 NFIP policies in force on August 31, 2026, and the average NFIP premium was $1,007 a year (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top, and nationally they make actual bills about a quarter higher). Under FEMA’s Risk Rating 2.0 each building is priced on its own flood risk, so a state average says little about what any one home will pay.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Texas residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
See the most flood-prone counties in Texas →
Select a county to view local flood zone data and disaster history: