43 flood insurance claims·$1.5M paid·5 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 Bosque 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 severe weather events and slow-moving thunderstorms dominates the flood profile of Bosque County. Over the last 30 years, NOAA records show 55 flash flood events resulting in 1 death, compared to 9 standard flood events. Recent incidents demonstrate this pattern, including flash flooding driven by a saturated atmosphere and slow storm motions on July 6, and additional rounds of heavy rain fueled by a stalled front and slow-moving upper low on July 14.
National Flood Insurance Program records indicate that flood risks extend across multiple zones. Zone A accounts for 21 claims with an average payout of $23,649 and an average recorded water depth of 8 inches. Meanwhile, Zone X records show 18 claims with an average payout of $69,745 and an average recorded water depth of 8 inches. Properties in mapped high-risk zones, as well as lower-risk areas like Zone X that still experience significant claim severity, should pay the closest attention to these recurring flash flood threats.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
9% of Bosque County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
23 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 8 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 1991, with 8 claims and $160,013 paid, the year of Severe Thunderstorms.
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.
16 NOAA storm reports from Bosque County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
24 federal disaster declarations since 1989, 5 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 26, 2024 |
| Hard Castle Fire | Jul 7, 2022 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms And Flooding | May 22, 2016 |
| Severe Storms And Flooding | Apr 17, 2016 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Oct 22, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | May 4, 2015 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
64 since 1996: 55 flash floods and 9 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 14, 2025 | — |
| Flash Flood | Jul 6, 2025 | — |
| Flash Flood | May 2, 2025 | — |
| Flash Flood | May 31, 2024 | — |
| Flash Flood | May 16, 2024 | — |
| Flash Flood | May 5, 2024 | $50,000 |
| Flood | Jul 7, 2020 | — |
| Flash Flood | Apr 10, 2017 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 the month, grounds we…
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 Bosque 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.