Enter any address in Comal County, Texas to see its FEMA flood zone
Flash flooding from intense thunderstorms dominates Comal County's flood risk. Over the last 30 years, the NOAA Storm Events Database recorded 135 flash flood events, resulting in 6 fatalities. For example, heavy rainfall in July 2025 led to deadly flash flooding in nearby counties, with some areas receiving 12-16 inches of rain in six hours. While fewer in number, 8 general flood events and 1 tropical storm have also been recorded.
National Flood Insurance Program (NFIP) claims data reveals that properties in Zone A have experienced the most claims, with an average payout of $53,960 and an average water depth of 13.7 feet. Zone X_SHADED properties, though fewer in number, have seen the highest average payouts ($74,362) and significant water depths (12.5 feet). Homeowners in areas designated as Zone A or Zone X_SHADED, as well as those located near rivers or in areas without a Base Flood Elevation (BFE), should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
34 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Comal County, Texas has recorded 144 flood-related events since 1996 according to NOAA's Storm Events Database, including 135 flash floods and 8 river or area floods. The county has received 26 federal disaster declarations, 5 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1972–2023)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 30, 2023 |
| 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 |
| Hurricane Harvey | Hurricane | Aug 23, 2017 |
| 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 |
| Tropical Storm Alex | Hurricane | Jun 27, 2010 |
| Hurricane Ike | Hurricane | Sep 7, 2008 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | May 28, 2025 | 0.00K |
| Flash Flood | Jun 12, 2025 | 0.00K |
| Flash Flood | Jul 5, 2025 | 0.00K |
| Flash Flood | Jul 1, 2025 | 0.00K |
| Flash Flood | Apr 30, 2021 | 0.00K |
| Flash Flood | Oct 14, 2021 | 50.00K |
| Flash Flood | Oct 13, 2021 | 0.00K |
| Flash Flood | Jun 5, 2021 | 0.00K |
| Flash Flood | Aug 2, 2021 | 0.00K |
| Flash Flood | May 1, 2021 | 0.00K |
Flash Flood — May 28, 2025
An upper-level shortwave trough moved across a stationary front that was stretched across Central Texas. Some of these storms moved into South-Central Texas producing damaging wind gusts and large hail. There were also a few reports of heavy rain leading to flash flooding.
Flash Flood — Jun 12, 2025
A mid-level shortwave trough moved over Texas and combined with an abnormally moist airmass to generate thunderstorms. These storms were very efficient rain producers dropping locally heavy rain that led to flash flooding. There were also a few severe thunderstorms.
Flash Flood — Jul 5, 2025
Precipitable water values over South-Central Texas remained near record levels, and a mid-level anticyclonic circulation continued over Central Texas providing lift to generate thunderstorms. These storms were efficient rain making storms leading to another night of excessive rainfall. Parts of Burnet and Travis Counties received 12-16 inches of rain in approximately six hours that led to deadl...
Flash Flood — Jul 1, 2025
Precipitable water values over South-Central Texas remained near record levels, and a mid-level anticyclonic circulation continued over Central Texas providing lift to generate thunderstorms. These storms were efficient rain making storms leading to another night of excessive rainfall. Parts of Burnet and Travis Counties received 12-16 inches of rain in approximately six hours that led to deadl...
Flash Flood — Apr 30, 2021
A warm front moved into South Central Texas from the Gulf of Mexico. The airmass this front moved into was very moist with precipitable water values around 2.0 inches. Thunderstorms developed along the front and some 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 Comal 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 Comal 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.