Enter any address in Kendall County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms is the primary flood hazard in Kendall County. Over the past 30 years, the NOAA Storm Events Database recorded 83 flash flood events, resulting in 6 fatalities. For example, flash flooding occurred in July 2025 due to moist air from Tropical Storm Barry's remnants, and again in May 2025 from thunderstorms interacting with a stationary front.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $16,271 and an average water depth of 7.4 feet. While Zone X properties have had fewer claims, some have still experienced significant water depths, averaging 6.2 feet in Zone X_UNSHADED. Homeowners in Zone A, and those in Zone X_UNSHADED, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
18 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Kendall County, Texas has recorded 85 flood-related events since 1996 according to NOAA's Storm Events Database, including 83 flash floods and 2 river or area floods. The county has received 22 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 (1978–2025)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, And Flooding | Flood | Jul 2, 2025 |
| 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 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Severe Storm | May 4, 2015 |
| Wildfires | Fire | Aug 30, 2011 |
| Wildfires | Fire | Mar 14, 2008 |
| Tropical Storm Erin | Severe Storm | Aug 14, 2007 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Aug 31, 2025 | 0.00K |
| Flash Flood | May 28, 2025 | 0.00K |
| Flash Flood | Jul 4, 2025 | 5.00M |
| Flash Flood | May 29, 2023 | 0.00K |
| Flash Flood | Aug 2, 2021 | 0.00K |
| Flash Flood | Apr 11, 2017 | 0.00K |
| Flash Flood | May 29, 2016 | 0.00K (1 deaths) |
| Flash Flood | May 19, 2016 | 0.00K |
| Flash Flood | Jun 2, 2016 | 0.00K |
| Flash Flood | May 23, 2015 | 0.00K |
Flash Flood — Aug 31, 2025
A frontal boundary moved into a moist airmass and generated thunderstorms. Some of these storms produced heavy rain. Two to four inches of rain fell in the Salado Creek basin in northern San Antonio. This rainfall led to flash flooding.
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 — Jul 4, 2025
Tropical Storm Barry moved into and dissipated over eastern Mexico. Moist air from the remnants of Barry moved northward into Texas. Precipitable water values over South-Central Texas increased to near record levels. A mid-level anticyclonic circulation developed and moved over Central Texas providing lift to generate thunderstorms. During the overnight period of July 3-4, a low-level jet strea...
Flash Flood — May 29, 2023
An upper level shortwave trough generated thunderstorms in a very moist airmass. Some of these storms produced locally heavy rain that led to flash flooding.
Flash Flood — Aug 2, 2021
A cold front moved into a warm, moist airmass and generated thunderstorms over South Central Texas. Some of these storms produced locally 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 Kendall 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 Kendall 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.