18 flood insurance claims·$389,410 paid·4 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 Kimble 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 driven by slow-moving summer thunderstorms and tropical moisture dominates the flood profile of Kimble County. Over the last 30 years, the NOAA Storm Events Database recorded 40 flash flood events resulting in 4 deaths, alongside 11 general floods and 1 tropical depression.
Recent historic events illustrate this hazard. In July 2024, slow-moving thunderstorms with abundant tropical moisture produced heavy rainfall and flash flooding in the county. On July 4th, devastating and historic flash flooding struck northern and northeast portions of the Northwest Hill Country, where tropical moisture from the remnants of Tropical Storm Barry fueled slow-moving thunderstorms that dropped 10 to 16 inches of rain, with localized totals near 25 inches, damaging numerous roads and houses.
National Flood Insurance Program records show claims concentrated in Special Flood Hazard Areas, with Zone A accounting for 12 claims with an average payout of $25,876 and an average recorded water depth of 2 inches. Moderate-to-low risk zones also experienced impacts, including 4 claims in unshaded Zone X averaging $14,467 with an average water depth of 1 inch, and 2 claims in shaded Zone X averaging $10,513 with an average water depth of 1 inch. Homeowners in Zone A and properties near waterways should pay the closest attention to these flood risks.
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 1981, with 9 claims and $57,559 paid.
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.
12 NOAA storm reports from Kimble County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
19 federal disaster declarations since 1993, 4 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, And Flooding | Jul 2, 2025 |
| Severe Winter Storm | Jan 30, 2023 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms And Flooding | Sep 10, 2018 |
| Wildfires | Aug 30, 2011 |
| Oasis Pipeline Fire | Apr 26, 2011 |
| Wildfires | Apr 6, 2011 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
52 since 1996: 40 flash floods and 11 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 13, 2025 | — |
| Flash Flood | Jul 4, 2025 | — |
| Flash Flood | Jul 23, 2024 | — |
| Flood | Oct 26, 2023 | — |
| Flash Flood | Oct 26, 2023 | — |
| Flash Flood | Sep 25, 2023 | — |
| Flash Flood | Oct 25, 2023 | — |
| Flood | Oct 25, 2023 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jul 13, 2025. The combination of deep tropical moisture and a weak upper level area of low pressure produced heavy rainfall and flash flooding across portions of the Northwest Hill Country and Heartland.
Flash Flood · Jul 4, 2025. Devastating and historic flash flooding occurred in northern and northeast portions of the Northwest Hill Country on July 4th with damage to many roads and houses. The combination of abundant tropical moisture associated with the remnants of Tropical Storm Barry and a weak upper level storm system, led to very slow moving or stationary thunderstorms producing very heavy and efficient rainfall. The heaviest rainfal…
Flash Flood · Jul 23, 2024. Slow moving thunderstorms in combination with abundant tropical moisture produced heavy rainfall resulting in flash flooding in portions of Kimble County.
Flood · Oct 26, 2023. The combination of abundant moisture and strong thunderstorms produced some flash flooding across portions of Kimble County.
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 Kimble 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.