Enter any address in Kerr County, Texas to see its FEMA flood zone
Flash flooding from thunderstorms dominates Kerr County's flood events. Over the last 30 years, the NOAA Storm Events Database recorded 99 flash flood events resulting in 119 fatalities, compared to 11 flood events with 1 fatality. For example, July 2025 experienced significant flash flooding due to moisture from Tropical Storm Barry and atmospheric conditions that led to training thunderstorms over the Texas Hill Country.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A have experienced the most claims, with an average payout of $82,502 and an average water depth of 4.8 feet. Properties in Zone X, while fewer in number of claims, have seen higher average payouts ($45,980) and significantly deeper water depths, averaging 10.4 feet. Homeowners in Zone A and Zone X, as well as those in areas with unknown flood zone designations, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
37 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Kerr County, Texas has recorded 110 flood-related events since 1996 according to NOAA's Storm Events Database, including 99 flash floods and 11 river or area floods. The county has received 19 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 |
| Wildfires | Fire | Mar 14, 2008 |
| Extreme Wildfire Threat | Fire | Nov 27, 2005 |
| Hurricane Rita | Hurricane | Sep 23, 2005 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jul 14, 2025 | 0.00K |
| Flash Flood | Jul 13, 2025 | 0.00K |
| Flash Flood | Jul 4, 2025 | 0.00K (46 deaths) |
| Flash Flood | Jul 4, 2025 | 200.00M (61 deaths) |
| Flash Flood | Jul 23, 2024 | 10.00K |
| Flash Flood | Jul 23, 2024 | 0.00K |
| Flash Flood | Oct 16, 2018 | 0.00K |
| Flash Flood | Oct 8, 2018 | 0.00K |
| Flash Flood | May 29, 2016 | 0.00K |
| Flash Flood | May 28, 2016 | 0.00K |
Flood — Jul 14, 2025
A mesoscale convective vortex developed along the Rio Grande and moved northeastward across South-Central Texas. Thunderstorms from this complex produced locally heavy rain that led to flash flooding.
Flash Flood — Jul 13, 2025
Thunderstorms formed along an outflow boundary in a moist airmass over Central Texas and moved into the Hill Country and Edwards Plateau. Some of these storms produced locally heavy rain that led 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 — Jul 23, 2024
An upper-level trough moved across a stationary front and a very moist airmass. This combination generated thunderstorms. Some of these storms produced heavy rainfall that led to flash flooding.
Flash Flood — Oct 16, 2018
A cold front moved into a very moist atmosphere and generated showers and thunderstorms some of which produced heavy rain that led to flash flooding. Rainfall totals during this episode included 8.40 inches at Mountain Home in Kerr County, 6.26 inches at Llano, and 9.27 inches at Castell in Llano County. This widespread rainfall created a massive flood along the Llano River and its nearby cree...
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 Kerr 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 Kerr 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.