Enter any address in Bosque County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms dominates the flood character of Bosque County. Between 1994 and 2024, NOAA Storm Events data recorded 55 flash flood events and 9 general flood events. Recent examples include flash flooding in May 2025, attributed to an upper-level disturbance, and July 2025, when a lingering upper trough and saturated atmosphere led to numerous flash flooding events.
National Flood Insurance Program (NFIP) claims data shows a significant number of claims in Zone A and Zone X. While Zone A properties experienced more frequent claims and higher water depths on average, Zone X properties saw substantially higher average payouts, indicating significant damage. Homeowners in Zone A, and those in Zone X who may not be aware of their flood risk, should pay particular attention to flood preparedness.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
16 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Bosque County, Texas has recorded 64 flood-related events since 1996 according to NOAA's Storm Events Database, including 55 flash floods and 9 river or area floods. The county has received 24 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 (1989–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Flood | Apr 26, 2024 |
| Hard Castle Fire | Fire | Jul 7, 2022 |
| 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 |
| Severe Storms And Flooding | Flood | Apr 17, 2016 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Severe Storm | Oct 22, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 14, 2025 | 0.00K |
| Flash Flood | Jul 6, 2025 | 0.00K |
| Flash Flood | May 2, 2025 | 0.00K |
| Flash Flood | May 31, 2024 | 0.00K |
| Flash Flood | May 16, 2024 | 0.00K |
| Flash Flood | May 5, 2024 | 50.00K |
| Flood | Jul 7, 2020 | 0.00K |
| Flash Flood | Apr 10, 2017 | 0.00K |
| Flash Flood | Apr 29, 2016 | 20.00K (1 deaths) |
| Flash Flood | May 27, 2016 | 5.00K |
Flash Flood — Jul 14, 2025
Several rounds of showers and thunderstorms occurred the weekend of July 12, influenced by remnant outflow boundaries, a stalled front, and a slow-moving upper low. A mesoscale convective vortex (MCV) further enhanced precipitation totals and rain rates, resulting in flash flooding primarily across Central Texas.
Flash Flood — Jul 6, 2025
From the July 4th weekend into the early part of the following week, a weak upper trough lingered over North and Central Texas, triggering several days of scattered showers and thunderstorms. A saturated atmosphere combined with slow storm motions resulted in numerous flash flooding events throughout the region, particularly in Central Texas.
Flash Flood — May 2, 2025
An upper level disturbance dropping southeast through the Plains led to thunderstorm development on May 1st and 2nd across much of North and Central Texas. Storm initiation occurred in the vicinity of remnant outflow boundaries left over from the previous nights' convection. Some severe thunderstorms occurred, mainly in Central Texas, with large hail the primary severe weather occurrence.
Flash Flood — May 31, 2024
Another complex of thunderstorms moved southeast through North and Central Texas during the day on May 30, producing scattered wind damage and severe hail along with some flash flooding. A second round of storms initiated along the dryline Thursday evening, producing more severe weather and flash flooding overnight into the early morning hours of May 31. After above normal rainfall throughout t...
Flash Flood — May 16, 2024
A slow-moving front generated a round of thunderstorms which produced multiple areas of heavy rain and flooding from the Big Country to Central Texas on May 16.
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 Bosque 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 Bosque 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.