7 flood insurance claims·$158,781 paid·2 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 Kinney 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 severe thunderstorms and heavy rainfall dominates the flood risk profile in Kinney County, accounting for 61 of the 64 recorded flood events over the last 30 years, alongside two general floods and one tropical storm.
Recent weather patterns demonstrate this localized threat. A mesoscale convective vortex moving from northern Mexico produced locally heavy rain and flash flooding in July 2025, while slow-moving thunderstorms driven by an upper-level low generated heavy rain and flash flooding in August 2022. Earlier events include storms fueled by moist boundary layers in June 2019 and supercells formed along an outflow boundary in May 2025.
National Flood Insurance Program records reflect claims in both high-risk and moderate-to-low risk areas. Zone A properties recorded two claims with an average payout of $45,400 and an average recorded water depth of zero inches. Meanwhile, Zone X unshaded areas saw five claims with an average payout of $28,345 and an average recorded water depth of two inches. Homeowners and real estate agents in both designated special flood hazard areas and unshaded zones should pay close attention to heavy precipitation 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 2014, with 3 claims and $93,827 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.
11 NOAA storm reports from Kinney County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
14 federal disaster declarations since 1989, 2 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms And Flooding | Sep 10, 2018 |
| Wildfires | Mar 14, 2008 |
| Extreme Wildfire Threat | Nov 27, 2005 |
| Hurricane Rita | Sep 23, 2005 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Extreme Fire Hazards | Aug 1, 1999 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
64 since 1996: 61 flash floods and 2 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 15, 2025 | — |
| Flash Flood | May 1, 2025 | — |
| Flash Flood | Aug 30, 2022 | — |
| Flash Flood | Jun 4, 2019 | — |
| Flash Flood | Apr 2, 2017 | — |
| Flash Flood | Sep 25, 2016 | — |
| Flash Flood | Aug 20, 2016 | — |
| Flash Flood | Apr 18, 2016 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jul 15, 2025. A mesoscale convective vortex developed over northern Mexico and sent an outflow boundary into South-Central Texas. Thunderstorms in this complex produced locally heavy rain that led to flash flooding.
Flash Flood · May 1, 2025. Thunderstorms developed along an outflow boundary over the northern Texas Hill Country in a warm, moist airmass. Strong instability, vertical wind shear, and steep mid-level lapse rates led to supercells that produced three tornadoes and large hail.
Flash Flood · Aug 30, 2022. A mid to upper level low moved over a warm, moist airmass in South Central Texas and generated slow moving thunderstorms. Some of these storms produced heavy rain that led to flash flooding.
Flash Flood · Jun 4, 2019. An upper level shortwave trough triggered thunderstorms rooted in a very moist boundary layer with precipitable water values near 2.0 inches. Some of these storms produced heavy rain that led to 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 Kinney 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.