31 flood insurance claims·$462,578 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 Hill 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 Hill County, accounting for 54 of the 62 total flood events recorded over the past 30 years in the NOAA Storm Events Database, alongside 8 standard flood events. This weather pattern was demonstrated in June 2025 and July 2025, when upper-level lows, remnant MCVs, stalled fronts, and slow-moving systems produced several rounds of heavy rain, training storms, and high rain rates that resulted in flash flooding across the region.
National Flood Insurance Program records indicate that flood risks extend beyond high-risk areas, with claims filed in both Zone A and Zone X. Zone A accounts for 17 claims with an average payout of $9,851 and an average recorded water depth of 2 inches. Meanwhile, Zone X records include 13 claims with a significantly higher average payout of $31,306 and an average recorded water depth of 2 inches.
Homeowners and real estate agents managing properties in designated high-risk zones, as well as those in moderate-to-low risk Zone X areas where average payouts are higher, should pay close attention to these flood risks given the frequency of flash flooding events in the county.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 2 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 2015, with 6 claims and $104,395 paid, the year of Severe Storms, Tornadoes, Straight-line Winds and Flooding and Severe Storms, Tornadoes, Straight-line Winds, 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.
16 NOAA storm reports from Hill County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
25 federal disaster declarations since 1968, 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, Tornadoes, Straight-line Winds, And Flooding | Oct 22, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | May 4, 2015 |
| Wildfires | Aug 30, 2011 |
| Hurricane Ike | Sep 7, 2008 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
62 since 1996: 54 flash floods and 8 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 14, 2025 | — |
| Flash Flood | Jun 11, 2025 | $1,000 |
| Flash Flood | Jun 11, 2025 | $5,000 |
| Flash Flood | Apr 28, 2024 | $200,000 |
| Flash Flood | Dec 26, 2024 | $1,000 |
| Flash Flood | Jun 5, 2024 | $10,000 |
| Flash Flood | Nov 4, 2024 | — |
| Flash Flood | Jun 2, 2024 | $10,000 |
— = 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 · 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 · Apr 28, 2024. A shortwave trough, dryline, and Pacific front all worked together to produce multiple rounds of thunderstorms Friday April 26 through Sunday April 28. All modes of severe weather took place across the region, along with multiple instances of flash flooding. 11 tornadoes occurred across McLennan, Hill, and Navarro counties on April 26th, and another 4 tornadoes occurred in Milam, Limestone and Freestone counties o…
Flash Flood · Dec 26, 2024. A meandering surface front provided a focus for thunderstorm development as a shortwave trough worked its way east through North and Central Texas on December 26. A few storms produced hail and localized flash flooding.
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 Hill 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.