72 flood insurance claims·$1.1M 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 Coryell 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 history of Coryell County, which recorded 54 flash flood events and 12 deaths over the last 30 years compared to 16 standard flood events and 4 deaths. Recent occurrences include multiple flash flooding events in July 2025 driven by a lingering upper trough, slow storm motions, and a saturated atmosphere, as well as significant thunderstorm activity on September 6, 2025, fueled by Tropical Storm Lorena's remnants, a cold front, and an upper-level trough.
NFIP claim records indicate that property owners across multiple zones face financial risk. Zone X properties recorded the highest claim volume with 45 claims averaging $24,066 with an average recorded water depth of 26 inches. Zone A accounts for 15 claims averaging $26,307 with an average water depth of 4 inches, while Zone X_UNSHADED recorded 10 claims averaging $2,361 with an average water depth of 4 inches. Zone X_SHADED recorded 1 claim averaging $8,701 with an average water depth of 15 inches, and Zone UNKNOWN logged 1 claim averaging $8,997 with an average water depth of 1 inch. Homeowners and real estate agents in both designated high-risk zones and standard Zone X areas should pay close attention to these historical claim patterns and water depths when evaluating property risk.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
42% of Coryell County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
26 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 19 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 2007, with 20 claims and $149,539 paid, the year of Severe Storms, Tornadoes, and Flooding.
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.
15 NOAA storm reports from Coryell County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
23 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 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms And Flooding | Sep 10, 2018 |
| Severe Storms And Flooding | Apr 17, 2016 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | May 4, 2015 |
| Wildfires | Aug 30, 2011 |
| Wildfires | Apr 6, 2011 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
70 since 1996: 54 flash floods and 16 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 11, 2025 | $1,000 |
| Flash Flood | Jul 7, 2025 | — |
| Flash Flood | Jul 7, 2025 | $30,000 |
| Flash Flood | Sep 6, 2025 | $2,000 |
| Flash Flood | Jul 5, 2025 | — |
| Flash Flood | May 23, 2024 | — |
| Flash Flood | May 5, 2024 | — |
| Flash Flood | Jun 24, 2019 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jun 11, 2025. An upper level low and remnant MCVs produced several rounds of heavy rain and training storms that produced flash flooding for a few day across the region, mainly across Central Texas.
Flash Flood · Jul 7, 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 · Sep 6, 2025. Tropical Storm Lorena's remnants, a late-summer cold front, and an upper-level trough collectively contributed to significant thunderstorm activity across North Texas during the afternoon and evening of September 5th and into the morning of September 6th. Several of these storms generated damaging wind gusts and hail, while frequent cloud-to-ground lightning resulted in multiple residential fires.
Flash Flood · Jul 5, 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.
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 Coryell 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.