Enter any address in Bandera County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms dominates flood events in Bandera County. Between 1993 and 2023, NOAA Storm Events data recorded 120 flash flood events, resulting in 5 fatalities, alongside 4 general flood events. For example, on July 4, 2025, heavy rainfall associated with the remnants of Tropical Storm Barry led to significant flash flooding in the Texas Hill Country.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A experienced the most claims, with an average payout of $27,630 and an average water depth of 4.5 feet. However, properties in Zone X_SHADED and Zone UNKNOWN saw higher average payouts and deeper water depths, with average payouts of $51,765 and $21,549 respectively, and average water depths of 6.5 feet and 10.2 feet. Homeowners in Zone A, as well as those in areas with higher average payouts and water depths like Zone X_SHADED and Zone UNKNOWN, should pay particular attention to their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
30 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Bandera County, Texas has recorded 124 flood-related events since 1996 according to NOAA's Storm Events Database, including 120 flash floods and 4 river or area floods. The county has received 16 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1978–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Severe Ice Storm | Feb 11, 2021 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms And Flooding | Flood | May 22, 2016 |
| Wildfires | Fire | Mar 14, 2008 |
| Extreme Wildfire Threat | Fire | Nov 27, 2005 |
| Hurricane Rita | Hurricane | Sep 23, 2005 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms And Flooding | Flood | Jun 29, 2002 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 15, 2025 | 0.00K |
| Flash Flood | Jul 4, 2025 | 0.00K |
| Flash Flood | Jul 23, 2024 | 0.00K |
| Flash Flood | Jun 4, 2023 | 0.00K |
| Flash Flood | Aug 30, 2022 | 0.00K |
| Flash Flood | Sep 22, 2018 | 0.00K |
| Flash Flood | Sep 9, 2018 | 0.00K |
| Flash Flood | May 31, 2016 | 0.00K |
| Flash Flood | May 30, 2016 | 0.00K |
| Flash Flood | May 29, 2016 | 0.00K |
Flash Flood — Jul 15, 2025
A mesoscale convective vortex developed over northern Mexico and sent an outflow boundary into South-Central Texas. Thunderstorms in this complex produced locally heavy rain that led to flash flooding.
Flash Flood — Jul 4, 2025
Tropical Storm Barry moved into and dissipated over eastern Mexico. Moist air from the remnants of Barry moved northward into Texas. Precipitable water values over South-Central Texas increased to near record levels. A mid-level anticyclonic circulation developed and moved over Central Texas providing lift to generate thunderstorms. During the overnight period of July 3-4, a low-level jet strea...
Flash Flood — Jul 23, 2024
An upper-level trough moved across a stationary front and a very moist airmass. This combination generated thunderstorms. Some of these storms produced heavy rainfall that led to flash flooding.
Flash Flood — Jun 4, 2023
An area of thunderstorms developed along an old outflow boundary over the Southern Edwards Plateau. These storms moved toward the south and produced locally heavy rainfall that led to flash flooding.
Flash Flood — Aug 30, 2022
A mid to upper level low moved over a warm, moist airmass in South Central Texas and generated slow moving thunderstorms. Some of these storms produced heavy rain that led to flash flooding.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Bandera County, Texas:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Bandera County, Texas that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.