4,128 flood insurance claims·$63.8M paid·14 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Aransas County, 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.
Flash flooding from summer thunderstorms dominates the flood character of Aransas County, supported by NOAA records detailing 51 flash flood events alongside storm surges, tropical storms, and hurricanes over the last 30 years. Recent events illustrate these varied threats, including an isolated flash flood on November 23, 2025, driven by heavy downpours along a lingering frontal boundary, and significant coastal flooding of 3 to 3.5 feet caused by Tropical Storm Alberto on June 19, 2024.
National Flood Insurance Program records reflect claims across multiple risk zones. Zone A recorded 2,096 claims with an average payout of $21,744 and an average recorded water depth of 4 inches. Zone X saw 1,318 claims with an average payout of $48,725 and an average recorded water depth of 7 inches, while Zone X Shaded recorded 483 claims with an average payout of $35,300 and an average recorded water depth of 2 inches. Zone X Unshaded logged 195 claims averaging $19,065 with an average recorded water depth of 2 inches, and Zone V registered 33 claims with an average payout of $38,842 and an average recorded water depth of 15 inches. Coastal properties and homeowners situated in Zone A and Zone V should pay the closest attention to these flood risks.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
24% of Aransas County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
2,807 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 4 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2017, with 2,499 claims and $49.6M paid, the year of Hurricane Harvey.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
44 NOAA storm reports from Aransas County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
31 federal disaster declarations since 1967, 14 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Hurricane Beryl | Jul 5, 2024 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Tropical Storms Marco And Laura | Aug 23, 2020 |
| Hurricane Hanna | Jul 25, 2020 |
| Hurricane Harvey | Aug 23, 2017 |
| Tropical Storm Alex | Jun 27, 2010 |
| Holiday Beach Fire | Apr 5, 2009 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
87 since 1996: 51 flash floods, 10 river or area floods and 16 coastal floods or surges.
| Event | Date | Damage |
|---|---|---|
| Flood | May 28, 2025 | — |
| Flood | Nov 23, 2025 | — |
| Flash Flood | Jun 19, 2024 | — |
| Tropical Storm | Aug 22, 2023 | $25,000 |
| Flash Flood | May 10, 2023 | — |
| Flash Flood | Aug 29, 2022 | — |
| Flood | Sep 4, 2022 | — |
| Flash Flood | May 19, 2021 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · May 28, 2025. Heavy rain and isolated flooding developed across central and south Texas during the early morning hours as deep convection expanded across the region. A very moist and unstable atmosphere with PWATs near 1.75 and MLCAPE around 2000 J/kg fueled thunderstorms capable of producing intense rainfall rates of 1-2/hour. These storms were largely driven by outflows, with limited low-level shear. As thunderstorms merged a…
Flood · Nov 23, 2025. A lingering weak frontal boundary continued to promote isolated to scattered showers and thunderstorms throughout the area. Limited instability and only moderate moisture kept area rainfall amounts generally below 0.50 inch. However, heavier downpours resulted in an isolated case of flash flooding in Aransas County.
Flash Flood · Jun 19, 2024. Tropical Storm Alberto was a very broad and unorganized storm that developed across the Southwestern Gulf of Mexico. Alberto eventually made landfall between the hours of 4-7 AM on June 20, 2024 near Tampico, Mexico. The system brought a variety of hazards to the region, including storm surge, heavy rains, strong winds, and a couple isolated tornadoes. Significant coastal flooding, around 3 to 3.5 feet of inundati…
Tropical Storm · Aug 22, 2023. Tropical Storm Harold moved west across south Texas on the 22nd. An area of low pressure developed over the central Gulf of Mexico on the 21st. A large area of high pressure over the central United States into the northern Gulf Coast steered the system quickly westward toward the Middle Texas coast. The low strengthened into Tropical Storm Harold by the early morning hours of the 22nd. Harold increased in strength…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Aransas County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.